Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute of Unauthorized Inquiries, Fraudulent Accounts, and Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally dispute multiple unauthorized hard inquiries, fraudulent accounts, and inaccurate negative reporting on my credit reports with XXXX, TransUnion, and XXXX. These errors are negatively impacting my credit score and financial well-being. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX, I am requesting an immediate investigation and removal of the fraudulent inquiries, unauthorized accounts, and inaccurate negative items listed below. 

I suspect identity theft and/or the recent security breaches at major credit bureaus have led to these fraudulent activities appearing on my report. I have never authorized these inquiries or accounts, and I demand that they be removed immediately. 

1. FRAUDULENT INQUIRIES These hard inquiries were made without my authorization and should be permanently removed. 

XXXX ( Unauthorized 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 XXXXXX/XX/XXXX XXXX XXXX FRAUDULENT & UNAUTHORIZED ACCOUNTS These accounts do not belong to me and should be permanently removed from my report. 

XXXX ( Unauthorized Accounts ) SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Not mine ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Agreement was to pay and be reported in good standing, but still showing negative ) XXXX ( Negative/Fraudulent Accounts ) XXXX  XXXX ( Paid & Closed, should be positive but is being reported negatively ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Modified {$16000.00} secured loan not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXX Paid & Closed, should be reported positively ) XXXX XXXX XXXX XXXX COLLECTION ACCOUNTS TO BE REMOVED The following collections are inaccurate, fraudulent, or should no longer be on my report. 

TransUnion ( Collection Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. BASIS FOR DISPUTE Fraud & Unauthorized Activity : I never authorized these inquiries or accounts, making them a direct violation of the FCRA.

Credit Bureau Data Breach : The XXXX, XXXX, and TransUnion data breaches exposed my personal information, likely leading to this fraudulent activity.

Negative Impact on My Credit & Financial Stability : These inaccuracies are lowering my credit score, affecting my ability to obtain credit, and causing undue hardship. 

5. REQUESTED RESOLUTION I demand the following actions be taken immediately : 1. Permanently remove all unauthorized hard inquiries from XXXX, TransUnion, and XXXX. 
2. Delete all fraudulent accounts that were opened in my name without my consent.

3. Correct all inaccurate negative reporting on paid/closed accounts.

4. Provide a revised, corrected credit report reflecting the changes.

5. Notify all creditors that obtained my report due to these fraudulent inquiries that they must remove any associated records.

6. LEGAL NOTICE This letter serves as formal written notice under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX The credit bureaus are legally required to investigate and remove inaccurate or fraudulent information within 30 days. If these items are not removed promptly, I am prepared to escalate my complaint, including : Filing additional complaints with the Federal Trade Commission ( FTC ) and my state Attorney Generals office. 
Seeking legal action for damages due to negligence and failure to comply with the FCRA. 

I expect a written response within 30 days confirming the removals and corrections. 

Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX