Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint : Immediate Removal of Unauthorized Account and Correction of Personal Information To Whom It May Concern, I am submitting this personal statement to request the immediate removal of the following XXXX unauthorized hard inquiries from my credit report. These inquiries were made without my explicit consent or permissible purpose under 15 U.S.C. 1681b, and their presence on my report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX conducted an unauthorized inquiry. Additionally, on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX via XXXX  made inquiries that I did not authorize. 

On XX/XX/XXXX, an inquiry was made by XXXX XXXX XXXX, which was done without my knowledge or approval. 

On XX/XX/XXXX, multiple inquiries were performed without my consent, including by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Similarly, on XX/XX/XXXX, unauthorized inquiries were conducted by XXXX XXXX, Flagship Credit Acceptance, XXXX XXXX XXXX, and XXXX XXXX via Dealer. 

Additional unauthorized inquiries include those by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, all on XX/XX/XXXX. 

Lastly, on XX/XX/XXXX, XXXX XXXX via XXXX and XXXX XXXX XXXX conducted inquiries without permissible purpose. 

These inquiries are negatively impacting my creditworthiness and were performed in direct violation of federal law. I respectfully request that these inquiries be removed immediately to ensure compliance with my rights as a consumer. 



I am submitting this formal complaint regarding the unauthorized and inaccurate information being reported on my consumer credit report by XXXX, XXXX, and TransUnion. Specifically, XXXX XXXX XXXX ( Account Number XXXX ) is unlawfully reporting an account that I did not authorize or consent to, and no debt validation has been provided. 

Additionally, I must highlight that only my legal name, XXXX XXXX XXXX XXXX, should be reported. Any variations, inaccuracies, or unauthorized aliases are a misrepresentation of my identity and must be removed immediately. 

Violations of Federal Law XXXX. Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) : Under FCRA Section 605B, unauthorized accounts must be blocked within XXXX business days of receiving appropriate documentation. I have submitted my FTC Identity Theft Report, government-issued identification, proof of address, and XXXX, which legally suffice. 
XXXX. Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : XXXX XXXX XXXX has failed to validate the alleged debt. Continuing to report an unverified debt violates federal law and my rights as a consumer. 
XXXX. Unfair and Deceptive Practices ( FTC Act, Section 5 ( a ) ) : By retaining and reporting unauthorized information, the credit bureaus are engaging in deceptive practices that harm my creditworthiness. 
XXXX. Consumer Privacy ( 15 U.S.C. 1681e ( b ) ) : The agencies are required to ensure maximum possible accuracy. Reporting incorrect names and unauthorized accounts contravenes this obligation. 

My Demands XXXX. Immediate Removal : The account with XXXX XXXX XXXX and any unauthorized aliases or addresses must be removed from my report within XXXX ( XXXX ) business days. 
XXXX. Correction of Personal Information : Only my legal name, XXXX XXXX XXXX XXXX, and my correct address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, should be reported. 
XXXX. Written Confirmation : Provide written confirmation that the unauthorized account and incorrect information have been removed and will not appear again. 

Consequences of Noncompliance Failure to act promptly will result in escalation, including filing further complaints with regulatory authorities and pursuing all legal remedies. This includes : Statutory damages of {$1000.00} per violation under FCRA. 
Punitive damages for willful violations of federal law. 
Liability under 18 U.S.C. 894 for extortionate collection practices if applicable. 

Thank you for addressing this matter promptly. I expect full compliance within the stated timeframe. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX