Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding- Credit Reporting Violations ; Unauthorized Inquiries ; Fraudulent Accounts ; Tenant Screening Violations and Cease & Desist Demand Dear Consumer Financial Protection Bureau XXXX I am writing to formally file a complaint against the major credit reporting agencies ( XXXX, XXXX XXXX and XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and tenant screening regulations. These violations include unauthorized credit inquiries, reporting of inaccurate and fraudulent information, breaches of privacy, and severe consequences related to tenant screening. These violations have caused my family and me extreme financial harm, emotional distress, and a serious compromise to our safety and well-being. I demand immediate corrective action and compensation for each violation. 

Background of the Issue : Over the past decade, my sensitive personal data, ( including : my name, address, date of birth, Social Security number, phone number, and email addresses ), have been compromised due to data breaches involving the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This has resulted in unauthorized access to my personal information and fraudulent activity on my credit report, including multiple unauthorized credit inquiries and fraudulent accounts. 

Unauthorized Credit Inquiries and Fraudulent Accounts : Upon reviewing my credit report on XX/XX/year>, I discovered multiple unauthorized credit inquiries and fraudulent accounts, which have been documented in detail in my previous submissions. These include numerous inquiries from financial institutions and lenders, none of which I authorized. 

Additionally, there are three student loans being reported on my credit report. I did not provide permissible permission for these loans to be shared or reported as negative information. This unauthorized reporting has further damaged my credit score and caused undue financial harm. 

Tenant Screening Violations and Consequences : Due to the credit reporting agencies failure to correct inaccurate information on my credit report, I faced severe consequences while applying for rental housing last year. Specifically : It took over 6 months to secure a rental home because each time a landlord ran my credit, I was denied housing due to the negative and inaccurate information reported by the credit bureaus. 

This forced my children and me to live in a city shelter for an extended period, causing embarrassment, stress, and harm to my mental health. 

My self-esteem has been deeply affected, and I continue to suffer from XXXX  and fear for my familys safety. 

Serious Safety Incidents in the Shelter : While staying in the shelter, my family endured multiple traumatic and dangerous incidents : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Violent Attack : An incident involving a resident who attacked his uncle with a machete outside the shelter led to a police lockdown. During this time, my son, who was returning from an after-school activity, was forced to wait outside in a dangerous area for XXXX minutes before he could safely re-enter the shelter. 

These experiences have left my family traumatized, and I still worry daily about our safety and well-being. 

Violations of Federal Law : The credit reporting agencies and associated entities have violated the following : 1. FCRA Section 604 ( 15 U.S.C. 1681b ) : No permissible purpose for credit inquiries.

2. FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to investigate and correct inaccuracies.

3. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Furnishers providing inaccurate data.

4. FCRA Section 605 ( 15 U.S.C. 1681c ) : Adverse information improperly impacting housing decisions.

5. FCRA Section 805 ( 15 U.S.C. 1692c ) : Prohibition of communication after a written cease and desist request.

Demand for Compensation : Per 15 U.S.C. 1681n ( a ) and 15 U.S.C. 1681o ( a ), I demand to be compensated for each violation at the statutory rate of {$1000.00} per violation or more if necessary, to adequately compensate for the harm caused by the credit reporting agencies violations. The emotional distress, financial harm, and safety risks inflicted upon my family justify compensation beyond {$1000.00} where applicable.

Cease and Desist Demand : I demand that all third-party collection agencies and companies reporting or sharing my information immediately cease and desist all communication with me via mail, text message, phone calls, and email. This includes but is not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All financial institutions and companies identified in my unauthorized credit inquiries. 

Requested Actions : 1.Immediate Removal of all unauthorized, fraudulent credit inquiries and accounts; including the three unauthorized student loans.

2.Restoration of Good Standing for my credit report.

3.Cease and Desist all communication from third-party collection agencies and reporting entities.

4.Compensation of {$1000.00} per violation or a higher amount as deemed necessary for the harm caused, in accordance with 15 U.S.C.

1681n ( a ) and 15 U.S.C. 1681o ( a ).

Conclusion : I expect the CFPB to take immediate action to ensure compliance with federal law, hold the credit reporting agencies accountable, and prevent further harm to consumers like me. The violations have led to traumatic consequences for my children and me, including unnecessary shelter stays and dangerous situations that have caused lasting emotional and mental harm. 

Thank you for your prompt attention to this matter. Please contact me directly if additional information or documentation is required @ my contact information I provided along my complaint.