Product: Credit reporting or other personal consumer reports

Formal Dispute Removal of Improper Inquiries and Violations of FCRA, FDCPA, Metro 2 Compliance, and UDAAP This is a formal complaint and legal notice regarding unauthorized or inaccurate inquiries and possible misreporting on my ChexSystems file. This communication is submitted pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Metro 2 Credit Reporting Compliance Standards Consumer Financial Protection Act ( Dodd-Frank Act ), 12 U.S.C. 5536 Disputed Inquiries from ChexSystems File I am specifically disputing the legitimacy and permissible purpose of the following inquiries listed in my file, which I obtained directly from ChexSystems : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me in writing, nor were they connected to any financial transaction in progress. Under 15 U.S.C. 1681b ( f ), a consumer reporting agency may furnish a report only for specific permissible purposes. Any inquiry without valid purpose is a violation of federal law.

Violations by ChexSystems and Data Furnishers FCRA Violations : 1681e ( b ) : Failure to ensure maximum possible accuracy.

1681b ( f ) : Reporting without permissible purpose.

1681i ( a ) : Failure to conduct a reasonable reinvestigation within 30 days.

1681s-2 ( b ) : Furnishers failed to update or remove incorrect entries upon notice of dispute.

FDCPA Violations : 1692e ( 8 ) : Reporting information that is known to be false.

1692f : Unfair or unconscionable means of collection or account inquiry.

Metro 2 Compliance Violations : Inquiries and account statuses were not coded using required compliance condition codes such as : XXXX XXXX disputes the account. 

XXXX XXXX under active review. 

XXXX XXXX paid/settled. 

UDAAP Violations : XXXX XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), reporting unverifiable or unauthorized inquiries constitutes a deceptive and abusive financial practice, enforceable by the CFPB. 

Supporting Case XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Cir. XXXX ) : CRAs must ensure maximum possible accuracy of data. 

XXXX v. ChexSystems XXXX XXXX, XXXX. XXXX ( XXXX XXXX. XXXX ) : ChexSystems settled for failing to correct disputed and inaccurate entries. 

XXXX v. ChexSystems, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : ChexSystems failed to conduct proper reinvestigation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX Cir. XXXX ) : Investigations must be reasonable and not merely parroting creditor claims. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs can not blindly rely on furnishers. 

Demand for Relief Under federal law and compliance standards, I hereby demand that ChexSystems : Immediately delete all unauthorized or unverifiable inquiries listed above ; Provide full documentation of each furnisher 's permissible purpose for the inquiry, including application records and authorization forms ; Confirm reinvestigation of each item under dispute ; Apply the correct XXXX XXXX coding for disputed or unverifiable items ; Issue a written statement of results and corrective action taken. 

Notice of Escalation If these demands are not met within the statutory XXXX period under FCRA XXXX ( a ), I will file formal complaints with : Federal Trade Commission XXXX FTC ) XXXX of the State Attorney General Better XXXX XXXX XXXX XXXX XXXX Additionally, I will seek legal redress under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance.