Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am disputing multiple egregious errors concerning late payments and unauthorized hard inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. If immediate action is not taken, I intend to enforce my consumer rights to the fullest extent of the law. Late Payment Disputes The following tradelines incorrectly report late payments despite timely payments per my records. I demand you update to positive now or show me proof you gave me the option to opt out. Under the Fair Credit Billing Act, 15 U.S.C. 1666, which gives me the right to dispute these patently inaccurate credit report items. Hard Inquiry Disputes Additionally, the below hard inquiries were accessed without any permissible purpose or authorization as mandated by the FCRA [ 1681b ( f ) ] : XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX  - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX  XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX  - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/XXXX This inquiry was misrepresented and should be deleted from my report. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report?