Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint against XXXX, XXXX, and TransUnion regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and unauthorized credit reporting practices. Despite my efforts to resolve these matters directly with the credit reporting agencies, they have failed to take appropriate corrective action. Below are the details of my concerns : 1. Unauthorized Late Payment on Credit Report I have discovered an inaccurate late payment reported by XXXX on my credit report. This entry is incorrect and should not be listed, as I did not provide written authorization for its reporting under 15 U.S.C. 1681b. I have formally disputed this with the credit bureaus, but no action has been taken to remove it.

2. Unauthorized Credit Inquiries I have identified multiple unauthorized hard inquiries on my credit reports from various financial institutions and auto lenders. I did not apply for credit with these entities, nor did I authorize these inquiries. Under FCRA 15 U.S.C. 1681b, these inquiries should not have been made without my explicit permission. Despite disputing these inquiries with the credit bureaus, they have failed to verify or remove them from my report. 

The following inquiries were made without my consent : XXXX Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fair Credit Reporting Act ( FCRA ) Violations By failing to properly investigate and remove unauthorized inquiries and incorrect late payment entries, the credit reporting agencies are in clear violation of the FCRA, specifically : FCRA 15 U.S.C. 1681b Permissible Purpose Violations FCRA 15 U.S.C. 1681s-2 ( a ) Furnishing Inaccurate Information FCRA 15 U.S.C. 1681i Failure to Investigate and Remove Incorrect Information FCRA 15 U.S.C. 1681n Civil Liability for Willful Noncompliance 4. Harm Caused and Requested Resolution These unauthorized inquiries and the inaccurate late payment are negatively impacting my credit score, affecting my ability to secure financing at reasonable rates. Furthermore, their failure to remove these items is causing unnecessary stress and financial harm.

I request that the CFPB take immediate action to : 1. Investigate XXXX, Equifax, and TransUnion for failure to comply with FCRA regulations.

2. Direct the credit burea
us to remove the disputed late payment and all unauthorized inquiries listed above.

3. Hold the credit bureaus accountable for failing to properly investigate my disputes.

4. Ensure that I receive an updated credit report reflecting these corrections, free of charge. 

I am prepared to escalate this matter further, including legal action if necessary, to protect my rights under federal law. 

I appreciate your prompt attention to this serious matter and look forward to your response. Please confirm receipt of this complaint and inform me of the next steps as soon as possible. 

Sincerely, XXXX XXXX