Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX **Subject : ** Request for Investigation of Credit Report Discrepancies and Hard Inquiries Dear Sir/Madam, I am writing to formally request your assistance in resolving inaccuracies and unauthorized hard inquiries present on my Equifax credit report. I have identified several negative items and inquiries that require immediate investigation and correction. 

Recently, I became aware that I am a victim of a data breach in which my personal information, including my Social Security number, phone number, email, and address, were stolen. I was also impacted by the widely publicized Experian and Equifax data breaches. Due to these breaches, I am deeply concerned that fraudulent activity may have been reported on my credit file without my knowledge. As a result, I am requesting that everything on my report be thoroughly verified to confirm it belongs to me, with actual evidence such as signed agreements or other verifiable documentation provided. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), which provide protections regarding the accuracy of reported information.

-- - # # # **Legal Understanding** 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681s-2 : ** This law requires credit reporting agencies and furnishers of information to take reasonable measures to assure the accuracy of reported information. Civil penalties for non-compliance include statutory damages and fines of up to {$4000.00} per violation. 
2. **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 : ** It is a violation for debt collectors to report false or inaccurate information. Violators may face liability for actual damages, statutory damages of up to {$1000.00}, and punitive damages for willful violations. 

-- - # # # **Hard Inquiries to Be Investigated** The following hard inquiries appear on my report without my authorization and need to be verified or 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 XXXXNegative Accounts to Be Verified** The following accounts with adverse information require written verification of their validity, including signed evidence : | Creditor | Status | Balance | Past Due | Removal Date | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -- | -- -- -- -- -- -- -- | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRequested Actions** 1. I request that Equifax, TransUnion, and Experian verify and update my personal information, including addresses, phone numbers, and employer data, as specified. 
2. I ask that these agencies and any relevant creditors provide written verification of the debts in question, including proof of my signature for any credit agreement or transaction.

3. I request a detailed response via mail confirming my updated personal information and verification of the debts listed above.

Failure to respond adequately to this request may result in further legal action to ensure compliance with federal laws and penalties to the fullest extent. I trust that the CFPB will address this matter promptly and take appropriate steps to ensure the credit reporting agencies comply with their legal obligations. 

Please let me know if additional documentation is needed. I appreciate your time and assistance in this matter. 

Sincerely, XXXX XXXX