Product: Credit reporting or other personal consumer reports

This serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. regarding inaccurate and unauthorized information being reported by XXXX on my consumer file. 

After reviewing my XXXX report, I have identified the following inaccurate and/or unauthorized entries : Inquirer : 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 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 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 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 These entries are in direct violation of federal law and must be removed immediately for the following reasons : 1. VIOLATION OF FCRA REPORTING INACCURATE INFORMATION Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), information provided to a consumer reporting agency must be accurate and complete. The inaccurate information listed above has caused financial harm and damages to me. If the furnishing party can not verify its accuracy, it must be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ).

2. VIOLATION OF FCRA UNAUTHORIZED INQUIRIES Under 15 U.S.C. 1681b, no entity may access my consumer report without permissible purpose. I did not authorize certain inquiries listed on my file, and any entity that obtained my report without my explicit written consent has violated federal law. These unauthorized inquiries must be immediately deleted to comply with the FCRA. 

3. LEGAL LIABILITY & POTENTIAL DAMAGES Per 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX and any data furnishers who fail to comply with the law may be held liable for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. If these issues are not resolved immediately, I will not hesitate to escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and my state Attorney Generals office for investigation and enforcement. 

DEMAND FOR IMMEDIATE ACTION In accordance with my rights under the FCRA, I demand the following actions be taken within 30 days of receipt of this letter : Delete all disputed inaccurate information from my XXXX file. 
Remove all unauthorized inquiries that were made without my consent. 
Provide me with written confirmation of these deletions and corrections. 
Failure to comply with my legally protected rights will result in further legal action, including formal complaints to the FTC, CFPB, and state regulators, as well as possible litigation. 

This dispute is being sent via certified mail with return receipt requested. Failure to respond appropriately will be documented as willful noncompliance. 

I expect a response within 30 days of your receipt of this dispute as required by law.