Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department XX/XX/XXXX Re : Dispute of Re-Reported Inaccurate Information under 15 U.S.C. 1681s-2 ( a ) Subject : Formal Dispute of Unauthorized Credit Inquiry Under 15 U.S.C. 1681b To Whom It May Concern : I am writing to formally dispute and demand the removal of unauthorized hard inquiries appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes of consumer reports. These inquiries were made without my authorization or any legally permissible purpose.

The FCRA is clear in its requirements. Section 1681b ( f ) prohibits any entity from obtaining or using a consumer report without a legally authorized reason. Permissible purposes are strictly limited to explicit consumer consent, a credit transaction initiated by the consumer, or other statutory allowances. The unauthorized inquiries on my credit report fail to meet these criteria and constitute a violation of my rights under the FCRA. 
Furthermore, the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX. ( XXXX ) reinforces my position. In this case, the court held that consumers have a substantive right under the FCRA to protect their credit information from unauthorized access. The ruling explicitly stated that a consumer does not need to demonstrate the specific unauthorized purpose of the inquiry but can rely on facts that suggest a violation of 1681b. By allowing these unauthorized inquiries to remain on my credit report, you are complicit in the harm caused by the violation of my rights. 
The presence of these inquiries not only damages my credit but also infringes upon my legally protected privacy. Courts have consistently recognized that unauthorized inquiries lead to tangible harm and that consumers have the right to contest such violations. I am therefore demanding the immediate removal of the following unauthorized inquiries from my credit report : Accounts Re : 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS TBOM/ASPIRE Date of inquiry : XXXX  Please remove it from my credit report.

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CAPITAL ONE Date of inquiry : XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SYNCB/TJX DC Date of inquiry XXXX XXXX Please remove it from my credit report.

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS SYNCB/JCP Date of inquiry : XXXX Please remove it from my credit report.

As a consumer, I have the right to dispute inaccurate or unauthorized information on my credit report under 15 U.S.C. 1681i. I expect you to conduct a thorough investigation of these inquiries and remove them promptly. Failure to comply with this demand will leave me with no choice but to escalate this matter to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and, if necessary, pursue legal action to enforce my rights under the FCRA. 
I am enclosing a copy of my identification and a copy of my credit report highlighting the disputed inquiries for your reference. Please provide me with a written confirmation that these inquiries have been removed or, alternatively, a detailed explanation of your investigation within 30 days as required by the FCRA. 
Thank you for your immediate attention to this matter. Additionally, I would like to emphasize that under the XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX, Congress established the Civil Penalty Fund to compensate individuals harmed by violations of federal consumer protection laws. This underscores the gravity of unauthorized actions and the need for compliance with the FCRA. I trust you will resolve this issue promptly to avoid further escalation. 
Sincerely, XXXX XXXX