Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : [ Credit Bureau or Creditor Name ] [ Address ] [ City, State, Zip Code ] Subject : FINAL DEMAND TO REMOVE UNAUTHORIZED INQUIRY FEDERAL VIOLATIONS & PENDING LEGAL ACTION To Whom It May Concern, This is your final written notice and demand for immediate removal of an unauthorized credit inquiry reported by your institution without my consent. I have not applied for credit, authorized access, or provided written or verbal permission for any such inquiry. This constitutes a direct violation of federal law.

Your failure to remove this unauthorized inquiry will result in a federal lawsuit.

VIOLATIONS OF FEDERAL LAW : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b ( f ) : A person shall not use or obtain a consumer report for any purpose unless the consumer has authorized the use of the report.

You accessed my credit without a permissible purpose or my written authorization, violating this statute.

2. FCRA 15 U.S. Code 1681n ( Willful Noncompliance ) : Violators are liable for actual damages, punitive damages, and attorneys fees.

3. FCRA 15 U.S. Code 1681o ( Negligent Noncompliance ) : Violators are liable for actual damages, costs, and attorney fees.

4. FCRA 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Any information found to be inaccurate, incomplete, or unverifiable must be deleted within XXXX days of a dispute. 

You were not able to verify my authorization, yet continue to report the inquiry another violation. 

5. FTC Advisory Opinion : The Federal Trade Commission holds that if no proof of authorization exists at the time of the inquiry, the inquiry is unauthorized and illegal. 

SUPPORTING CASE LAW : XXXX XXXX XXXX Creditors Ass'n, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Held that accessing a credit report without a permissible purpose violates the FCRA and can result in statutory and punitive damages. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Affirmed consumers can recover damages under FCRA for unauthorized access and inquiries. 

XXXX v. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Use of consumer report without legal reason is actionable even when the inquiry causes no monetary loss. 

FORMAL DEMANDS : DELETE the unauthorized inquiry within XXXX calendar days of this letter. 

Provide written confirmation of removal. 

Cease any further unlawful access to my credit reports. 

Provide all proof you believe gives you legal permission to access my report. If you can not, you are in ongoing violation. 

NOTICE OF LAWSUIT : Because this matter remains unresolved after prior notices, I am preparing to file a federal lawsuit for : Violations of the Fair Credit Reporting Act Negligent and willful noncompliance Emotional distress Attorneys fees and punitive damages You will be served through legal counsel if this is not resolved immediately. 

Sincerely, XXXX XXXX XXXX XXXX LAWSUIT TEMPLATE ( FEDERAL COURT FILING CIVIL COMPLAINT ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX v. 
[ Defendant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ], Defendant Case No. : To be assigned COMPLAINT FOR DAMAGES ( Fair Credit Reporting Act Violation 15 U.S.C. 1681n, 1681o ) JURISDICTION AND VENUE This Court has jurisdiction pursuant to 15 U.S.C. 1681p and 28 U.S.C. 1331. 

Venue is proper in this district as the plaintiff resides in XXXX XXXX, Georgia. 

XXXX XXXX XXXX XXXX is a resident of XXXXXXXX XXXX. 

Defendant [ XXXX XXXX XXXX ] is a credit reporting agency or creditor conducting business in Georgia and across the United States. 

FACTUAL ALLEGATIONS On or about [ Insert Date ], Defendant initiated and/or reported an unauthorized hard inquiry on Plaintiffs credit report. 

Plaintiff did not authorize or initiate any transaction that would justify the inquiry. 

Plaintiff submitted a formal dispute to Defendant and demanded removal. 

Defendant failed to verify or delete the inquiry within XXXX days, violating 15 U.S.C. 1681i.

Defendants continued reporting caused Plaintiff emotional distress, anxiety, and potential harm to creditworthiness. 

CAUSES OF ACTION Count XXXX Willful Noncompliance ( 15 U.S.C. 1681n ) Defendant willfully failed to comply with FCRA. 

Plaintiff seeks statutory and punitive damages, attorneys fees, and legal costs. 

Count XXXX Negligent Noncompliance ( 15 U.S.C. 1681o ) Defendants negligence caused damage to the Plaintiff.

Plaintiff seeks actual damages, costs, and attorneys fees.

PRAYER FOR RELIEF WHEREFORE, Plaintiff respectfully requests : Actual damages pursuant to 15 U.S.C. 1681o Statutory damages of {$1000.00} per violation pursuant to 15 U.S.C. 1681n Punitive damages Attorneys fees and costs Any other relief the Court deems just Respectfully submitted, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Untimely response