Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Against Credit Reporting Agencies Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private LAST 4 Ending XXXX ) Consumer Date of Birth : ( Private XX/XX/XXXX ) Case Number : XXXX ( XXXX XXXX Police Department ) FTC Report Number : XXXX Statement of Pertinent Facts : I am submitting this complaint pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to formally request that XXXX XXXX/TransUnion/XXXX ] immediately block fraudulent information appearing on my consumer credit report. Under FCRA 605B, this request must be fulfilled within four ( 4 ) business days of receipt.

Fraudulent and Inaccurate Information : The following accounts and hard inquiries were fraudulently opened using my identity and must be permanently removed from my consumer credit report : Credit Cards Opened by Identity Thief : XXXX XXXX Services Account Number : XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$3800.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$14000.00} Fraudulent Auto Loans : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$34000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$13000.00} Fraudulent Public Record Entries : XXXX XXXX XXXX XXXX  Docket Number : XXXX Fraudulent XXXX Filing Date Discovered : XX/XX/XXXX Fraudulent Judgment Case : XXXX Record ID : XXXX Date Discovered : XX/XX/XXXX Fraudulent Hard Inquiries : These fraudulent accounts have resulted in multiple unauthorized hard inquiries appearing on my credit report. I have attached a list of these inquiries and a copy of my consumer FICO credit report that reflects the fraudulent items.

Supporting Documentation : To substantiate my claim, I have attached the following evidence : FTC Identity Theft Report ( Report # XXXX ) Confirms that the accounts and inquiries in question are due to identity theft XXXX XXXX Police Department Incident Report ( Case # XXXX ) Official police report documenting the identity theft Copy of My Consumer FICO Credit Report Highlighting fraudulent accounts, collections, and hard inquiries List of Unauthorized Hard Inquiries Includes all credit inquiries related to the fraudulent accounts Legal Basis for My Request : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are required to : Block all fraudulent information within four ( 4 ) business days of receiving this request.

Ensure that the fraudulent accounts, collections, and hard inquiries are permanently removed and not reported to any other entity.

Failure to comply may result in legal action, including but not limited to complaints filed with the CFPB, FTC, and potential litigation to enforce my rights under the FCRA.

Request for Immediate Action : I demand written confirmation once my consumer credit report has been updated to reflect these corrections. Please provide me with documentation verifying that : The fraudulent accounts have been removed All fraudulent collections have been deleted The fraudulent hard inquiries have been erased You may contact me at ( Private Contact Information ) for any further clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX