Product: Credit reporting or other personal consumer reports

XXXX XXXX ] XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Complaint Against Experian and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against Experian, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over 12 months, causing significant harm to my creditworthiness and financial well-being. 
Violations and Legal Claims : 1. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) Violation : This account has been reported without proper validation for 12 months, contravening XXXX XXXX. XXXX ( FDCPA ). 
Experian 's Liability : Continuation of reporting unverifiable and inaccurate information violates XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
2. Inaccurate Rental Account XXXX XXXX Violation : This account has been inaccurately reported for 12 months, breaching XXXX XXXX. XXXX. 
Experian 's Liability : Failure to verify or remove this disputed account upon request. 
3. Unauthorized Hard Inquiries Total of 16 Violations Violation : The following hard inquiries were made without my consent, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 's Liability : Allowing these unauthorized inquiries to remain on my report constitutes multiple violations. 
Total Damages Calculation ( Per FCRA and FDCPA Laws ) : FCRA Willful Violations XXXX XXXX XXXX XXXX XXXX : Up to {$1000.00} per violation FCRA Negligent Violations ( XXXX XXXX. XXXX ) : Up to {$1000.00} per violation FDCPA Violations ( XXXX XXXX. XXXX ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account XXXX {$1000.00} {$1000.00} Inaccurate Rental Account XXXX {$1000.00} {$1000.00} Unauthorized Hard Inquiries XXXX {$1000.00} {$16000.00} Continued Reporting Over 12 Months XXXX {$1000.00} {$12000.00} Total Demand for Damages {$30000.00} Resolution Demanded : XXXX. Immediate removal of the following : o XXXX XXXX XXXX XXXX account o XXXX TECHNOLOGIES rental account o All unauthorized hard inquiries listed above XXXX. Compensation of {$30000.00}, payable to XXXX XXXX, for violations of the FCRA and FDCPA. 
XXXX. Written confirmation of these deletions and payment within XXXX hours. 
If Experian fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit under XXXX XXXX. XXXX. This issue has been ongoing for over 12 months, and further delay is unacceptable.

I expect a response within five ( 5 ) business days, confirming the removal of these accounts, inquiries, and the full payment of damages. 
Sincerely, XXXX XXXX XX/XX/XXXX Last XXXX