Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: All State Credit Bureau, Inc.
State: CA

Complaint narrative:
Absolutely, XXXX. Here 's a strong and professionally worded XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal request for the immediate investigation and deletion of inaccurate, unverifiable, outdated, and unauthorized items currently being reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x.

Under 15 U.S.C. 1681i, I am exercising my right to request a reinvestigation of the following accounts and inquiries that I believe to be either : Inaccurate Obsolete ( over XXXX XXXX XXXX ) Unverifiable Or the result of unauthorized access to my credit file ( inquiries ) I am formally disputing the following items : ( Here you will list each negative item : name of creditor, account number, and type of dispute e.g., inaccurate balance, unauthorized inquiry, unverifiable account, account too old to report, etc. ) Example : XXXXXXXX XXXX  - Account # XXXX Inaccurate payment history XXXX XXXX  - Account # XXXX Obsolete ; over XXXX XXXXears Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries Under 15 U.S.C. 1681b ( c ), inquiries may only be made with a permissible purpose. I did not authorize certain hard inquiries on my report and request that they be removed immediately. You are required by law to have written authorization from me for such inquiries, and if none exists, they must be deleted.

Furthermore, under 15 U.S.C. 1681c, any negative account information that is over XXXX XXXX XXXX must not be reported. Any accounts or collections older than this limit must be permanently removed from my credit profile. 

You are also required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to delete any information that can not be verified within 30 days of the dispute. If you are unable to verify the disputed items, they must be removed from my report as required by federal law.

Additionally, in light of recent data breaches affecting millions of Americans, including those confirmed by multiple financial institutions and government sources, I am requesting the removal of any data compromised as a result of these breaches. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. If your systems have been compromised and my data misused, this compromises the validity and accuracy of entries on my report.

I am requesting that the following actions be taken : Immediate removal of all unauthorized and/or outdated inquiries Immediate deletion of all unverifiable or inaccurate negative accounts Permanent removal of all items exceeding federal reporting limits Written confirmation that these items have been deleted, along with an updated copy of my credit report Please complete the reinvestigation within the 30-day period required by FCRA 1681i and respond to me in writing at the above address.

Failure to comply with these requests will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potentially legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Tips : Send this to : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Keep a copy of everything you send. Allow 3045 days for a response. Follow up with a second letter if items are not removed.

Company response to consumer: Closed with explanation