Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Request for Investigation of Inaccuracies and Unauthorized Inquiries on My TransUnion Credit Report ( File Number : XXXX ) Dear Consumer Financial Protection Bureau , I am writing to formally request your assistance in resolving inaccuracies and unauthorized hard inquiries present on my TransUnion credit report, file number XXXX, dated XX/XX/XXXX. I have identified several negative items and inquiries that require immediate investigation and correction to ensure the integrity of my credit file. 

Recently, I became aware that I am a victim of a data breach in which my personal informationincluding my Social Security number ( partially masked as XXXX ), phone number, email, and addresswas stolen. Additionally, I was impacted by the widely publicized XXXX and XXXX data breaches. Due to these incidents, I am deeply concerned that fraudulent activity may have been reported on my credit file without my knowledge or consent. As a result, I am requesting that all information on my TransUnion report be thoroughly verified to confirm it belongs to me, supported by actual evidence such as signed agreements, applications, or other verifiable documentation. 

Below, I have outlined specific negative items and inquiries from my TransUnion report that I believe warrant investigation, as they may be inaccurate or the result of identity theft : # # # Negative Items and Potential Inaccuracies 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : 30 days late ( Past Due : {$800.00} ; Amount Paid : {$0.00} ; Scheduled Payment : {$920.00} ). 
- I request verification that this delinquency is accurate and belongs to me, as it may stem from unauthorized activity following the data breaches. Please provide a signed loan agreement or payment records. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : 30 days late. 
- XX/XX/XXXX : 30 days late. 
- XX/XX/XXXX : 90 days late. 
- XX/XX/XXXX : 120+ days late ( Past Due : {$330.00} ; Amount Paid : {$0.00} ). 
- XX/XX/XXXX : 120+ days late ( Past Due : {$420.00} ; Amount Paid : {$0.00} ). 
- **Charged Off** : XX/XX/XXXX through XX/XX/XXXX ( Balance : {$1400.00} ; Past Due : {$1400.00} ). 
- **Adverse Remarks** : CBG ( Canceled by credit grantor ) and PRL ( Profit and loss write-off ). 
- **High Utilization** : Balances repeatedly exceeded the {$1000.00} credit limit ( e.g., {$1400.00} in XX/XX/XXXX, 144.1 % utilization ). 
- This accounts severe delinquency and charge-off raise significant concerns about its legitimacy. I have no recollection of authorizing charges that led to this status. Please provide a signed credit agreement and transaction records to confirm this accounts validity. 

3. **Inquiries Potentially Unauthorized** : - **Third Party Supplemental Information ( XXXX ) ** : - 2 credit inquiries and 2 auto inquiries in the last 3 years ( dates unspecified ). 
- I request clarification on whether these were hard inquiries and, if so, proof of my authorization, as they may be linked to fraudulent activity post-breach. 
- **Account Review Inquiries** : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ) : This law firm is associated with debt collection, and I did not authorize contact related to any debt. 
XXXX XXXX XXXX ( XX/XX/XXXX ) : I do not recall applying for services with XXXX. 
- Please verify these inquiries with documentation showing my consent. 

# # # Legal Basis for My Request I am aware of my rights under the following statutes, which I believe TransUnion and the furnishers of this information must uphold : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2** : This law requires credit reporting agencies and furnishers to take reasonable measures to ensure the accuracy of reported information. Non-compliance may result in statutory damages and fines of up to {$4000.00} per violation. I request that TransUnion investigate these items within 30 days, as mandated by 1681i, and provide evidence of their accuracy or remove them if unverifiable. 
2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692** : It is a violation for debt collectors to report false or inaccurate information. Violators may face liability for actual damages, statutory damages of up to {$1000.00}, and punitive damages for willful violations. If any debts ( e.g., XXXX ) involve collection activity, I demand validation under 1692g. 

Given my status as a data breach victim, I am exercising my rights under the FCRA to : - Request a fraud alert or security freeze on my credit file ( per 1681c-1 ). 
- Obtain free file disclosures to monitor for fraud ( per 1681g ). 
- Block reporting of information resulting from identity theft, with supporting documentation such as an identity theft report ( per 1681c-2 ). 

# # # Requested Actions I respectfully request that the CFPB : 1. Compel TransUnion to investigate and substantiate all items on my credit report with verifiable evidence ( e.g., signed agreements, payment records ). 
2. Order the removal of any unverified, inaccurate, or fraudulent items, including the late payments, charge-off, and unauthorized inquiries listed above. 
3. Ensure that furnishers ( XXXX XXXX XXXX XXXX XXXX  ) provide proof of my liability or correct their reporting if discrepancies are found. 


Thank you for your attention to this urgent matter. I can be reached at XXXX or XXXX for any clarification or correspondence. I look forward to your prompt assistance in protecting my credit profile and resolving these issues. 

Sincerely, XXXX XXXX