Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX Subject : Formal Complaint Against XXXX XXXX Fraudulent Reporting & Identity Theft To Whom It May Concern, I am submitting this complaint againsXXXX XXXX XXXX XXXX XXXX. for reporting fraudulent and inaccurate information on my consumer report, which has significantly harmed my financial standing. Despite my previous disputes, these errors remain unresolved. 

Details of the Complaint : Fraudulent Accounts : Unauthorized accounts have been reported in my name.

Unauthorized Inquiries : There are hard inquiries on my report that I did not authorize.

Incorrect Negative Information : My credit report reflects negative marks that do not belong to me.

How This Has Affected Me : Lowered My Credit Score : My credit score is currently XXXX, which does not reflect my actual creditworthiness. 
Credit Denials : I have been denied credit and banking services because of this fraudulent reporting. 
Financial Hardship : These errors have made it difficult for me to access financial opportunities. 

Previous Dispute Attempts : I have already disputed these issues directly with XXXX XXXX but have not received an adequate resolution. 

Requested Resolution : I am requesting immediate action from the CFPB to ensure XXXX XXXX  : XXXX. Removes all fraudulent accounts and unauthorized inquiries. 
XXXX. Deletes all incorrect negative information. 
XXXX. Provides written confirmation of corrections within XXXX hours. 

I have attached supporting documentation, including a copy of my identification, disputed credit report, and prior correspondence. 

Thank you for your immediate attention to this matter. 



Complaint Against XXXX Subject : Urgent Complaint Against XXXX Fraudulent Information Due to Identity Theft To Whom It May Concern, I am submitting this complaint against XXXX due to fraudulent and inaccurate information appearing on my consumer report. I have already disputed this information directly with XXXX, yet no corrective action has been taken. 

Details of the Complaint : Fraudulent Accounts : Accounts opened without my consent have been falsely reported.

Unauthorized Inquiries : My report shows inquiries I never authorized.

Incorrect Negative Information : Negative marks unrelated to me are listed on my report. Impact on My Financial Standing
: My credit score has been unfairly lowered to XXXX. 
I have been denied credit and banking services based on this false information. 
These errors have caused me significant financial hardship. 

Previous Dispute Attempts : I previously contacted XXXX to dispute these errors but have received no proper resolution. 

Requested Resolution : I am requesting that the CFPB take action to : XXXX. Require XXXX to immediately remove fraudulent accounts and inquiries. 
2. Delete all inaccurate and unverifiable negative information.

3. Provide written confirmation of these corrections within 24 hours.

I have attached supporting documents, including my identification and disputed credit report.

Thank you for your urgent attention to this matter. 

Sincerely, [ Your Full Name ] [ Your Contact Information ] Complaint Against XXXX Subject : Formal Complaint Against XXXX Identity Theft & Fraudulent Reporting To Whom It May Concern, I am filing this complaint against XXXX for allowing fraudulent and inaccurate information to appear on my consumer report, severely affecting my financial well-being. 

Details of the Complaint : Fraudulent Accounts : Unauthorized accounts appear on my report.

Unauthorized Inquiries : Hard inquiries were made without my consent.

Incorrect Negative Information : My report contains negative information that does not belong to me.

How This Has Impacted Me : Unjustly lowered my credit score to XXXX. 
Resulted in multiple credit and banking denials. 
Created unnecessary financial hardship. 

Previous Dispute Attempts : I previously contacted XXXX to dispute these issues, yet they remain unresolved. 

Requested Resolution : I request that the CFPB ensure that XXXX : XXXX. Immediately removes all fraudulent accounts and inquiries. 
XXXX. Deletes all incorrect and unverifiable negative information. 
XXXX. Provides written confirmation of these corrections within XXXX hours. 

I have attached supporting documentation for review. 

Thank you for your immediate attention to this matter. 


How to Submit These Complaints to the CFPB : XXXX. Go to the CFPBs complaint portal : CFPB Complaint Submission XXXX. XXXX a separate complaint for each bureau ( XXXX XXXX XXXX ). 
3. Under Product, choose : Credit reporting, credit repair services, or other personal consumer reports 4. Under Issue, choose : Incorrect information on your report 5. Copy and paste each complaint into the description box.

6. Attach supporting documents, including : A copy of your ID ( drivers license or passport ).

A recent credit report showing the fraudulent accounts.

Any previous dispute letters or responses from the bureaus. 
XXXX. Submit your complaints and monitor your email for updates from the CFPB. 

Additional Complaints to File Aside from XXXX, XXXX, and XXXX, other specialty reporting agencies XXXX have false information about you. 

Check the CFPBs full list of consumer reporting agencies here : List of Consumer Reporting Companies If you find other agencies reporting false information, submit additional complaints following the same format. 

Final Steps : File these complaints with the CFPB ASAP. 
Monitor your email for responses. 
If no action is taken, escalate by contacting the FTC, FDIC, and your state attorney general.