Product: Credit reporting or other personal consumer reports

I am writing to follow up on my initial dispute regarding unauthorized inquiries, incorrect personal information, and fraudulent accounts appearing on my credit report. Despite my previous submission dated [ XX/XX/XXXX ] Complaint # XXXX, I have not received a satisfactory resolution. 

In your previous response, you indicated that no action was taken due to an issue with my submission through the CFPB Portal. However, I am now directly submitting my dispute in compliance with FCRA guidelines to ensure the matter is addressed. I expect your investigation and a resolution to be completed within 15 days of receipt of this letter. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or incomplete information directly with your company. I am submitting this second dispute to ensure that the information in my credit file is accurate and up-to-date. 
These inquiries were made without my knowledge or consent and I believe they are unauthorized. Please see the attached documents. I also request the deletion of incorrect addresses, names, birthdates, phone numbers, and email addresses, as listed below : Addresses : The following addresses are incorrect and should be removed : 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. Names : The following names are incorrect and should be removed : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only correct name is : XXXX XXXX XXXX. Birthdates : The following birthdates are incorrect and should be removed : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. The only correct birthdate is : XX/XX/XXXX. Phone Numbers : The following phone numbers are incorrect and should be removed : XXXX, XXXX, and XXXX. The only correct phone number is : XXXX. Emails : The following email addresses are incorrect and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to dispute unauthorized accounts listed on my credit report with XXXX XXXX Specifically, I did not authorize or open the following accounts : an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$400.00} ; an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$1000.00} ; an Online Installment Loan with XXXX XXXX XXXXXXXX, account number XXXX, opened on XX/XX/XXXX for {$1700.00} ; and an Online Installment Loan with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX for {$2000.00}. These accounts were not initiated or authorized by me, and I request their immediate removal from my report. Please investigate these accounts as fraudulent, delete them from my file, and confirm these corrections in writing. Please find attached the following documents to support my dispute : A copy of my government-issued ID ( e.g., drivers license or passport ) A utility bill or bank statement verifying my current address A copy of my credit report with the unauthorized inquiries highlighted