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 XXXX and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against XXXX, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over XXXX  months, causing significant harm to my creditworthiness and financial well-being. 
Violations and Legal Claims : XXXX. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) Violation : This account has been reported without proper validation for 12 months, contravening 15 U.S.C. 1692g ( FDCPA ). 
XXXX 's Liability : Continuation of reporting unverifiable and inaccurate information violates 15 U.S.C. 1681s-2 ( b ). 
XXXX. Inaccurate Rental Account XXXX XXXX Violation : This account has been inaccurately reported for XXXX  months, breaching 15 U.S.C. 1681b. 
XXXX 's Liability : Failure to verify or remove this disputed account upon request. 
XXXX. Unauthorized Hard Inquiries Total of 16 Violations Violation : The following hard inquiries were made without my consent, violating 15 U.S.C. 1681b ( f ) : XXXX. 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 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 XXXXXXXX '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 ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation FCRA Negligent Violations ( 15 U.S.C. 1681o ) : Up to {$1000.00} per violation FDCPA Violations ( 15 U.S.C. 1692k ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account 1 {$1000.00} {$1000.00} Inaccurate Rental Account 1 {$1000.00} {$1000.00} Unauthorized Hard Inquiries 16 {$1000.00} {$16000.00} Continued Reporting Over 12 Months 12 {$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 XXXX  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 XXXX fails to comply, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit under 15 U.S.C. 1681n. 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