Product: Credit reporting or other personal consumer reports

Formal Complaint to the Consumer Financial Protection Bureau ( CFPB ) Regarding Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX GA XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : **Formal Complaint Against XXXX for Unauthorized Credit Inquiry and Data Breach** Dear CFPB Representative, I am filing a **formal complaint** against **LightStream**, a financial institution that has placed an unauthorized **hard inquiry** on my credit report dated XXXX XXXX, XXXX. This inquiry is unlawful and a direct result of a **data breach and unauthorized sharing of my personal information**. I did **not authorize** this inquiry, and it is negatively affecting my credit profile. 
# # # **Details of the Unauthorized Inquiry : ** - **Creditor Name : ** LightStream - **Inquiry Date : ** XX/XX/XXXX - XXXXCredit Bureau Affected : XXXX XXXX ( and potentially others ) # # # **Violations and Consumer Protection Concerns : ** # # # # XXXX. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681b, 1681c-1 ) ** Under **15 U.S.C. 1681b**, a consumer credit report may only be accessed with the **express consent** of the consumer. **LightStream never obtained my consent**, making this inquiry a violation of federal law.

Additionally, per **15 U.S.C. 1681c-1**, I have the right to dispute unauthorized inquiries and request their immediate removal.

# # # # **2. Fair Debt Collection Practices Act ( FDCPA ) Violations ( 15 U.S.C. 1692e ) ** The FDCPA prohibits false, misleading, or deceptive practices by financial institutions and collection agencies. The unauthorized hard inquiry from LightStream suggests a **misuse of consumer data**, violating **15 U.S.C. 1692e**.

# # # # **3. Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6809 ) ** Under **15 U.S.C. 6801**, financial institutions must ensure the **security and confidentiality** of consumer information. If LightStream obtained my personal data without my consent, or through a **third-party data breach**, they have **failed to safeguard consumer information**, violating federal law.

# # # # **4. Unauthorized Data Sharing and FTC Act Violations ( 15 U.S.C. 45 ) ** If LightStream accessed my credit without authorization or obtained my data from **unauthorized third parties**, this could constitute an **unfair or deceptive trade practice** under the **Federal Trade Commission Act ( 15 U.S.C. 45 ) **. The **unauthorized sharing of my personal information** without my consent is a **major privacy violation**.

# # # **Requested Actions from the CFPB : ** I respectfully request that the **CFPB investigate LightStream** and take the following corrective actions : - **Order LightStream to immediately remove the unauthorized hard inquiry** from my credit report. - **Require LightStream to provide evidence of my consent** for this inquiry. If they fail to provide such proof, they should be held legally accountable. - **Investigate LightStream 's data security policies** to determine whether my personal data was obtained through unauthorized means or a third-party breach. - **Enforce appropriate regulatory penalties** against LightStream for violating federal consumer protection laws.

# # # **Notice of Further Action : ** If this matter is not resolved promptly, I will consider additional legal remedies, including : - **Filing a formal complaint with the Federal Trade Commission ( FTC ) for data misuse and privacy violations. ** - **Seeking legal counsel for potential damages under the FCRA and FDCPA. ** - **Requesting congressional oversight on financial institutions ' misuse of consumer data. ** This letter serves as **formal notice of my dispute and complaint**. Please provide a written response detailing the actions taken regarding this matter. 
Sincerely, XXXX XXXX XXXX