Product: Credit reporting or other personal consumer reports

This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion, Equifax, and Experian immediately block and remove all fraudulent accounts, credit inquiries, and inaccurate/unverifiable biographical data appearing on my consumer report. 

I am a victim of identity theft, and the following fraudulent accounts and inquiries were opened or made WITHOUT my knowledge, consent, or authorization. I did not benefit from them in any way, and they must be permanently removed from my credit file. 

Fraudulent Accounts on My Credit Report : 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 XXXXotal Fraudulent Amount : {$740.00} Fraudulent Hard Inquiries : The following unauthorized inquiries appear on my credit report and must be removed immediately, as they were initiated without my consent : 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 I never applied for credit with any of these entities and was unaware of these inquiries until I reviewed my credit report .

Fraudulent Personal Information : The following addresses and phone numbers were fraudulently associated with my credit file. I have never lived at these locations, nor have I ever authorized their use : Fraudulent Addresses : 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  These must be permanently deleted from my consumer credit report.

Legal Basis for My Complaint : Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute fraudulent information, demand its immediate removal, and hold both credit bureaus and furnishers accountable for failing to comply with federal law.

Applicable FCRA Statutes : FCRA 605B ( 15 U.S.C. 1681c-2 ) Blocking Identity Theft-Related Information Credit bureaus must block fraudulent accounts, addresses, and inquiries within XXXX business days after receiving : An FTC Identity Theft Report Proof of identity A written request identifying the fraudulent data FCRA 1681s-2 ( b ) Furnisher Duty to Investigate Upon Dispute Creditors and data furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) must conduct a reasonable investigation when a consumer disputes an account. 
If they fail to verify the account as accurate, they must delete the fraudulent information from all credit reports. 
FCRA 1681e ( b ) Duty to Use Reasonable Procedures for Accuracy Credit bureaus ( TransUnion, Equifax, Experian ) must have reasonable procedures to ensure that the information on a consumers credit report is accurate.

FCRA 1681i ( a ) Duty to Investigate Disputed Information When a consumer disputes an item on their credit report, the credit bureau must conduct a reinvestigation within mandated timeframe. 
If the credit bureaus fail to comply, I reserve my right to pursue legal action, as these statutes are actionable in court. 
Supporting Documentation Attached : FTC Identity Theft Report : ( Report ID : XXXX ) Recent Credit Reports from TransUnion, Experian, and Equifax ( XX/XX/XXXX ) Government-Issued ID Utility Bill for Proof of Address