Product: Credit reporting or other personal consumer reports

[ Your Full Name ] XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX [ Your Phone Number ] [ Your Email Address ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Accounts, Inquiries, and Negative Items Due to Identity Theft and Data Breach To Whom It May Concern, I am writing to formally dispute and request the immediate removal of fraudulent accounts, unauthorized inquiries, and negative items that have appeared on my TransUnion and XXXX credit reports due to identity theft. My personal information was compromised in a data breach involving the XXXX XXXX  Method, which allowed fraudsters to obtain my sensitive details and open unauthorized accounts in my name. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, free from fraudulent and erroneous information. 

Despite my efforts to resolve this matter with the credit reporting agencies and creditors, the fraudulent accounts and inquiries remain on my report. I now turn to the CFPB to ensure my rights under the FCRA are upheld and that these illegitimate accounts and inquiries are immediately removed. 

Disputed Items ( TransUnion and XXXX ) : XXXX Accounts : XXXX. XXXX XXXX Reported : XXXX XXXX, XXXX XXXX. XXXX Reported : XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX Reported : XXXX XXXX, XXXX Fraudulent Hard Inquiries : There are numerous unauthorized hard inquiries on my TransUnion and XXXX reports, including but not limited to : XXXX XXXX ( Multiple 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 Multiple inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other finance companies These inquiries were not authorized by me, and I demand that they be removed immediately under FCRA Sections 605A, 605B, and 611.

Legal Basis for My Dispute : According to the FCRA ( 15 U.S.C. 1681 ), I have the right to dispute any inaccurate, fraudulent, or unauthorized information on my credit report. The credit bureaus and creditors must investigate and correct errors within 30 days of my dispute. Since my personal information was exposed in a data breach, these unauthorized accounts and inquiries are clear violations of my rights, and I expect them to be removed immediately to prevent further financial harm. 

Requested Action : I demand that all fraudulent accounts, inquiries, and negative items be permanently removed from my TransUnion and XXXX reports. Additionally, I want to make it clear that I have already updated my personal information with the Social Security Administration and other relevant agencies.

DO NOT add a fraud alert or credit freeze to my reports. 
Requesting XXXX to lift any existing fraud alerts and credit freezes as well. 

I want my credit profile to remain open and accessible as normal after these fraudulent items are removed. 

Attached are supporting documents, including a copy of my government-issued ID, proof of address, and any relevant police or FTC identity theft reports.

Please provide me with written confirmation once the necessary corrections have been made. If I do not receive a resolution within the legally required timeframe, I will escalate this matter further. 


Sincerely, XXXX XXXX XXXX