Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an ongoing issue involving fraudulent accounts and unauthorized inquiries on my credit report that I have been unable to resolve despite multiple attempts. These inaccuracies, which have been reported to XXXX, continue to harm my credit profile and violate my rights under the Fair Credit Reporting Act ( FCRA ) and other federal laws. 

History of Complaints To date, I have filed the following complaints with the CFPB : On XX/XX/2024, under Complaint Number XXXX. 

On XX/XX/2024, under Complaint Number XXXX. 

On XX/XX/2024, under Complaint Number XXXX. 

Despite these complaints, XXXX has failed to adequately investigate or correct the disputed items. This ongoing inaction has left me with fraudulent accounts and unauthorized inquiries that continue to affect my creditworthiness and financial stability. 

Details of Fraudulent Accounts and Unauthorized Inquiries Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations 1 . Fair Credit Reporting Act ( FCRA ) Section 1681i : Requires credit reporting agencies to conduct a prompt and thorough reinvestigation of disputed items. XXXX has not fulfilled this obligation. 

Section 1681b : Prohibits unauthorized inquiries without consumer consent. The inquiries listed above were made without my authorization. 

XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) I have the right to request fraud alerts or a credit freeze to prevent further unauthorized access. Despite my requests, XXXX has not provided adequate safeguards. 

3. Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) The presence of fraudulent accounts and unauthorized inquiries indicates identity theft, which violates federal law prohibiting the misuse of personal information. 

Impact on Me as a Consumer The fraudulent accounts and inquiries have caused significant harm : Financial Damage : Lowered credit score, limiting my ability to obtain credit and housing. 

Emotional Distress : XXXXXXXX  and frustration caused by the persistent inaccuracies and XXXX XXXXack of action. 

Requested Actions I respectfully request that the CFPB take the following actions : Investigate XXXX failure to address my disputes and ensure compliance with the FCRA and other applicable laws. 

XXXX XXXX to immediately remove all fraudulent accounts and unauthorized inquiries from my credit report. 

Impose any necessary penalties on XXXX to prevent future violations. 

Provide me with regular updates on the status of this investigation and actions taken. 

Supporting Documentation I have attached the following documents to support my complaint : Copies of previous CFPB complaints and confirmations. 

Dispute letters sent to XXXX. 

Government-issued ID and proof of address. 

Any other relevant correspondence. 

Conclusion I appreciate the CFPBs commitment to protecting consumers and ensuring that credit reporting agencies comply with federal laws. I am seeking your assistance to resolve these issues promptly and restore accuracy to my credit report.