Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Failure to Remove Fraudulent Accounts Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against TransUnion for failing to remove fraudulent accounts from my credit report, despite overwhelming evidence proving that I am a victim of identity theft. 
Fraudulent Accounts on My TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Creditors Confirmed Fraudulent Activity Both XXXX XXXX and XXXX XXXX & XXXX XXXX have acknowledged that these accounts were fraudulently opened using my personal information. 
XXXX XXXX : I spoke with XXXX, a fraud XXXX, who confirmed that my identity was stolen to obtain a loan. 
She provided me with a fraud affidavit, which I completed and returned with my identity theft police report. 
XXXX assured me that XXXX XXXX would request TransUnion to remove the fraudulent account. 
In addition, I sent TransUnion the same fraud affidavit, my FTC identity theft report, my police report, a copy of my ID, Social Security card, and a utility bill verifying my identity. 
XXXX XXXX XXXX XXXX XXXX ( Collection Agency ) : A representative confirmed that my personal details did not match their records and that the account was fraudulent. 
They instructed me to file an identity theft police report, which I did. 
I then submitted my police report, FTC identity theft affidavit, ID, Social Security card, and utility bill to TransUnion, requesting the fraudulent account be removed. 
TransUnions Unlawful Refusal to Remove Fraudulent Accounts Despite providing clear evidence and receiving confirmation from the creditors, TransUnion refuses to remove these fraudulent accounts. I spoke with a representative named XXXX ( ID # XXXX ), who falsely claimed my documentation was not sufficient. XXXX also stated that because the accounts were reporting on my secondary credit report, they could not be removeddespite both creditors verifying that they were fraudulent. 
TransUnions Violations of Federal Law TransUnions refusal to remove these fraudulent accounts constitutes multiple violations of federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Requires credit bureaus to ensure that all reported information is accurate, fair, and verifiable. Unverifiable or fraudulent items must be deleted.

FCRA 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) Mandates that credit bureaus block fraudulent accounts when provided with a valid identity theft report. Despite submitting all necessary documentation, TransUnion has refused to comply. 
FCRA 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) Requires TransUnion to properly reinvestigate and remove unverifiable or incorrect information within 30 days. TransUnion has failed to uphold this obligation. 
18 U.S.C. 1028A Aggravated Identity Theft Identity theft is a federal crime, and TransUnion is knowingly continuing to report fraudulent information on my credit file. 
Request for Immediate Action I request that the Consumer Financial Protection Bureau take the following actions : Ensure that TransUnion immediately removes these fraudulent accounts from my credit report. 
Investigate TransUnion for noncompliance with federal consumer protection laws regarding identity theft. 
Impose penalties and sanctions on TransUnion for knowingly allowing fraudulent accounts to remain. 
Implement corrective measures to prevent TransUnion from violating the rights of other identity theft victims. 
If this matter is not resolved promptly, I am prepared to escalate my complaint to the Federal Trade Commission ( FTC ) and pursue legal action against TransUnion for damages caused by their unlawful reporting practices. 
I have attached copies of all relevant documentation, including my identity theft police report, FTC identity theft affidavit, fraud affidavits from XXXX XXXX, correspondence with TransUnion, and proof of my identity. 
Please provide a written response outlining the actions the CFPB will take to address this issue. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX XXXX