According to the provisions of the Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], disputed items must be re-investigated or deleted from my credit report within 30 days. During the re-investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

Equifax, XXXX, and XXXX continue to violate this section Fair Credit Reporting Act sec XXXX ( a ) [ XXXX XXXX XXXX ( a ), a violation which in turn is adversely effecting my ability to operate effectively as a consumer.