Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, XXXX Subject : Formal Dispute and Demand for Removal of Unauthorized Inquiries Dear XXXX, TransUnion, XXXX I am writing to dispute multiple unauthorized inquiries listed on my credit report. These inquiries, both hard and soft, were not initiated or authorized by me and violate my rights under the Fair Credit Reporting Act ( FCRA ). Below are details of the disputed inquiries : Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Soft Inquiries : XXXX XXXX XXXX XXXX - Multiple dates XXXX - Multiple dates XXXX XXXX XXXX - Multiple dates Soft inquiries XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Under the FCRA ( 15 U.S.C. 1681b ), credit inquiries may only be conducted with explicit consumer consent or under permissible purposes, such as a direct application for credit or a pre-existing business relationship. Inquiries made without authorization are a violation of federal law and may also expose me to identity theft risks.

Additionally, under the Maryland Consumer Protection Act ( 13-301 et seq. ), unauthorized credit activity and reporting may constitute unfair and deceptive trade practices. These violations not only harm my creditworthiness but also undermine my rights as a consumer.

Requested Actions : Immediate removal of all unauthorized hard inquiries listed above.

Verification of the permissible purpose for all soft inquiries, along with their removal if unverifiable.

A written confirmation of the removal and an updated credit report reflecting these changes.

If these unauthorized inquiries are not resolved within 30 days of this notice, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Maryland Attorney Generals Office. I also reserve the right to pursue legal action under the FCRA for damages caused by this inaccurate and unauthorized reporting. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX