Apr 23 • 💎 Savage Gems
💥Equifax or Experian 72 hr Credit Sweep Method/Data breach fast removal instructions 🧹🚀
*Disclaimer I have nothing to do with how long it takes them to remove your accounts. I’m just sharing what worked for me and a client of mine
I made sure to test this at least 2 times before posting and both times took 48hrs to remove. Even if it takes longer than 2 days just run the play cause it’s clearly an expedited method to get negatives removed. Don’t hit my DM saying “it’s been 2 days and no results” I will respectfully ignore. I’m just here to share my success with the groups that I’ve learned from
Step 1️⃣
-Go to chat gpt and type “Write me a letter to Equifax stating that I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2(a).”
-Copy and paste the template into word and edit your personal info and negative accounts on it then save . This will be your dispute letter that you attach to your complaint
Step 2️⃣
-Go to identitytheft.gov and make an ftc report for the negative accounts. At the very end , put in the comment box “I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which i do not recognize as reported and which are the result of identity theft and fraud. I am also aware that all of my information was exposed in the Equifax Data Breach. Please remove the accounts and inquiries listed: ……
*Save to your phone /computer
Step 3️⃣
-Scroll down and click on “Find out if your information was impacted”
-Fill out form and screenshot the results if it says “Your information WAS impacted”
-Orrrrr just use the screenshot attached to this post 😉
Step 4️⃣
-Login to my.equifax.com
-Go to dispute center
-Go to file a dispute
-Click on the negative accounts you want to dispute
-click account ownership and fraud issues
-click “I am a victim of identity theft and have a police report or FTC ID Theft Report
-In the comment box put “I am writing to formally dispute and demand the immediate removal of the following fraudulent account from my credit report due to identity theft. I am also aware that my information was exposed in the data breach please remove within 4 days.”
🚨Attach the following docs to your dispute
-FTC report
-Dispute letter
-ID
-Social
-Data Beach screenshot (attached to this post)
Step 5️⃣ (Optional) (Stronger Dispute)
Submit a CFPB complaint
-click credit reporting or other personal consumer reports
-click credit reporting
-click incorrect information on your credit report
-click account information incorrect
-click yes , then yes again , then no
-In the first box put:
To Whom It May Concern,
I am writing to formally dispute and demand the immediate removal of the
following fraudulent accounts and inquiries from my credit report due to identity
theft. These accounts were opened without my consent, and I am invoking my rights
under the Fair Credit Reporting Act (FCRA) to have these items promptly removed.
I am also writing to formally notify you that I am a victim of identity theft and request the
immediate blocking and deletion of all fraudulent accounts or information related to the
identity theft, as authorized by 15 U.S.C. § 1681c-2(a). I became aware of the breach of
my personal information through the Equifax data breach, which has exposed my
sensitive data to unauthorized individuals.
The following fraudulent accounts and inquiries have been identified as a result of this
breach: …….
-In the second box put:
Immediate Action Required
You are hereby instructed to:
1. Immediately remove all fraudulent accounts and inquiries from my credit report.
2. Block the reporting of these fraudulent accounts as required by law.
3. Send me written confirmation of these deletions within four business days.
I expect swift and immediate action to rectify this issue. Please consider this letter as
formal notice that your failure to comply will result in escalated action.
Thank you for your prompt attention to this matter.
Submit
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💥Equifax or Experian 72 hr Credit Sweep Method/Data breach fast removal instructions 🧹🚀
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The goal is to help as many people as possible repair and rebuild their own credit.
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