Product: Credit reporting or other personal consumer reports

Here is a Notice of Intent to Sue demanding the removal of unverifiable or unauthorized soft inquiries on your credit report from XXXX, Experian, and XXXX. This letter addresses compliance under FCRA, CFPB regulations, and XXXX XXXX standards. It requests immediate action to verify or delete redundant and unauthorized soft inquiries and seeks compensation for each instance of non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Notice of Intent to Sue for Removal of Unverifiable or Unauthorized Soft Inquiries and {$1000.00} per Violation Due to FCRA, CFPB, and XXXX XXXX Compliance Violations To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against XXXX, Experian, and XXXX due to your ongoing failure to address inaccuracies regarding soft inquiries listed on my credit report. These inquiries are unauthorized, unverifiable, or excessive, violating the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and XXXX XXXX compliance standards. I am demanding immediate removal of any unauthorized or duplicate soft inquiries and compensation of {$1000.00} per violation. 

Discrepancies in Soft Inquiry Reporting The following inconsistencies in soft inquiry reporting on my credit file require immediate investigation and removal if they can not be verified : Duplicate and Repeated Inquiries : I noticed multiple entries from XXXX XXXX, Experian, XXXX XXXX, and XXXX XXXX XXXX across overlapping dates. These repetitive inquiries suggest inadequate verification processes, resulting in unnecessary clutter on my report and creating a misleading profile. 
Unverified or Unauthorized Inquiries : There are inquiries that do not correspond to any action on my part, nor did I authorize them. Any unverified or unauthorized soft inquiries must be removed immediately. 
Misuse of Soft Inquiries for Monitoring : Certain entities appear to have accessed my report for monitoring without explicit permission. Excessive soft inquiries can negatively impact perceptions of my credit activity and mislead lenders. 
XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies are mandated to maintain the accuracy and verifiability of all credit data, including inquiries. The discrepancies outlined above violate the FCRAs requirements : 15 U.S.C. 1681e ( b ) This section requires consumer reporting agencies to adopt reasonable procedures to ensure maximum possible accuracy. The repeated entries and unverifiable inquiries highlight a failure to maintain accurate records. 
15 U.S.C. 1681i Consumer reporting agencies must conduct a prompt investigation and remove unverifiable information following a dispute. The continued presence of unverifiable inquiries indicates that XXXX, Experian, and XXXX have not adequately investigated my dispute. 
The Supreme Courts decision in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) affirmed that credit reporting agencies are liable for inaccuracies that harm consumers. This precedent further supports my demand for the deletion of any unverifiable soft inquiries. 

XXXX. Compliance with XXXX XXXX Standards The XXXX XXXX reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX ) specify how inquiries should be accurately reported, particularly for promotional and account review purposes. Failure to adhere to these standards has resulted in excessive and duplicate soft inquiries on my report. The errors and inconsistencies include : Proper Coding for Inquiry Frequency : Soft inquiries for promotional or account review purposes should be accurately coded and limited to prevent excessive or misleading appearances on my report. 
Verification of Inquiry Purpose : All inquiries must be substantiated by my explicit authorization. The presence of multiple, unverifiable entries fails to meet XXXX XXXX standards for accuracy and integrity. 
XXXX. Violations of Consumer Financial Protection Bureau ( CFPB ) Regulations CFPB regulations require credit reporting agencies to prevent practices that mislead or harm consumers. The improper handling and misreporting of my soft inquiries violate CFPB standards. The inaccurate or redundant soft inquiries detract from the integrity of my credit file, potentially harming my standing with creditors and creating undue harm to my financial profile. 

Remedies Sought To resolve these violations without litigation, I am requesting the following : Immediate Removal of Unverifiable or Duplicate Soft Inquiries : Remove all duplicate, unverifiable, and unauthorized soft inquiries from my credit report across all bureaus. 
Written Confirmation of Removal : Provide written confirmation of the removal or verification of each inquiry to ensure compliance. 
Compensation of {$1000.00} per Violation : Due to the ongoing inaccuracies and potential reputational damage, I am requesting {$1000.00} per violation in compensation, as permitted under FCRA and other relevant regulations. 
Should these actions not be completed within 30 days of receiving this letter, I am prepared to pursue legal action seeking statutory, actual, and punitive damages under FCRA, CFPB regulations, XXXX XXXX standards, and applicable case law. 

Conclusion This letter serves as your final opportunity to correct these reporting violations. Failure to act within the specified timeframe will result in legal action seeking full damages and enforcement of corrective measures. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX