Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to multiple unauthorized, inaccurate, and unfairly reported items on my credit report, which are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These errors are severely impacting my creditworthiness and financial opportunities. 1. Unauthorized Hard Inquiries The following hard inquiries were made on my credit report without my consent or a permissible purpose under 15 U.S. Code 1681b, negative
ly affecting my credit score : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries must be removed immediately, as they violate federal law regarding permissible purposes for accessing consumer credit reports. 
2. Inaccurate Collection Account The following collection account has appeared on my credit report without my authorization or consent. Under 15 U.S. Code 1681s-2 ( a ), data furnishers must ensure the accuracy of the information they report. This account must be removed immediately : XXXX XXXX XXXX ( Account : XXXX ) Reported on XX/XX/XXXX Balance : {$1100.00} 3. Closed Account with Unfair Late Payment Marks The following closed account contains late payment marks that unfairly harm my credit profile and fail to meet reporting standards under 15 U.S. Code 1681b and 1681c : XXXX XXXX XXXXXXXX ( Account Number : XXXX  ) Balance : {$2700.00} Opened : XX/XX/XXXX These late payment marks must be removed as they do not comply with federal regulations on accurate credit reporting.

4. TransUnions Inaccurate and Unfair Reporting of Late Payments TransUnion is incorrectly reporting late payments for XXXX, XXXX, and XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX ( Account : XXXX ). These payments were misreported despite the fact that my billing statements were not provided at least 21 days before the due date, violating 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ).

Additionally, this misreporting violates : 15 U.S. Code 1681i Requiring credit reporting agencies to conduct proper investigations of disputes.

15 U.S. Code 1681s-2 Mandating data furnishers to ensure accuracy and promptly correct errors.

I have attempted to dispute these inaccuracies with TransUnion, but no corrective action has been taken. These errors must be removed immediately to ensure compliance with federal law and prevent further unjust damage to my credit score.

5. Request for Immediate Investigation and Correction I formally request that all unauthorized and inaccurate items listed above be removed immediately from my credit report. These errors violate federal law and continue to cause unwarranted financial harm by reducing my creditworthiness and limiting my financial opportunities. 
I have attached supporting documentation, including my FTC identity theft report, to substantiate my claims. 
I trust that the Consumer Financial Protection Bureau ( CFPB ) will intervene to ensure that XXXX and TransUnion take appropriate action to correct these violations and comply with the FCRA and TILA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX