Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject XXXX Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally request your assistance in addressing an ongoing issue with the credit reporting agencies. Despite my repeated disputes and submissions of supporting documentation, inaccurate information continues to appear on my credit reports. These inaccuracies are significantly affecting my creditworthiness, causing harm to my financial standing and opportunities. 
I believe the credit reporting agencies have failed to properly investigate and address my disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have made every effort to correct this misinformation, yet the errors persist. The continued reporting of inaccurate information has led to financial and emotional distress, as it impacts my ability to obtain fair credit terms and other essential financial opportunities. 
I am requesting the following actions : 1. Immediate investigation into my claims by the CFPB.

2. Removal, deletion, and blocking of all inaccurate information from my credit reports.

3. Monetary relief for the financial and emotional harm caused by the negligent reporting practices. 
I have attached copies of my correspondence with the credit reporting agencies, as well as any supporting documents relevant to this matter. Please let me know if additional information is required to assist with your investigation. 
Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure that the credit reporting agencies comply with their obligations under federal law. I look forward to your prompt response and resolution. FTC Report Number -- XXXX given to all credit reporting agencies XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information under the Fair Credit Reporting Act ( FCRA ), Section 605B Dear Credit Reporting Agency Representative, I am writing to formally dispute and demand the immediate correction or removal of the following inaccurate and fraudulent information on my credit report. This information has been reported in violation of the Fair Credit Reporting Act ( FCRA ) and may also violate other applicable laws. I have been a victim of identity theft, and as such, this erroneous information must be removed promptly under the provisions of FCRA 605B [ 15 U.S.C. 1681c-2 ]. Also apart of data breech Correct Personal Information Below is my accurate personal information that should replace the incorrect data currently reported on my credit file : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX social Employer : None Disputed Information Incorrect Personal Information The following personal details on my credit report are inaccurate and must be corrected immediately : Name : XXXX XXXX XXXX ( This is not my correct representation ) not Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not mines - no Employer : XXXX ( I have no current employer. ) Fraudulent Accounts The following accounts are fraudulent and must be blocked and removed : AVID ACCEPTANCE LLC Balance : {$14000.00} Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX ( Account 1 ) Balance : {$0.00} Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX ( Account 2 ) Balance : {$350.00} Date Opened : XX/XX/XXXX Account Number : XXXX XXXX  Balance : {$380000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Fraudulent Collection Accounts The following collection account is inaccurate and must be removed : XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX : XX/XX/XXXX Unauthorized Inquiries The following inquiries were not authorized by me and must be removed : Ally Financial XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Motors XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX Legal Basis for Dispute FCRA Section 605B : As a victim of identity theft, I am entitled to the blocking of fraudulent accounts and inquiries under Section 605B of the FCRA. Upon receipt of appropriate documentation, credit reporting agencies must block such information within four business days. FCRA Section 623 ( a ) ( 1 ) ( A ) : Furnishers of information are prohibited from reporting inaccurate information to consumer reporting agencies. FCRA Section 611 : You are obligated to conduct a reasonable investigation of my dispute and delete and block Consumer Financial Protection Bureau ( CFPB ) Regulations : Failure to promptly address this dispute may result in a complaint to the CFPB, as it oversees violations of the FCRA. social XXXX To support my dispute, I have enclosed the following documents : A copy of my government-issued photo Sincerely, XXXX XXXX