Product: Credit reporting or other personal consumer reports

FTC Identity Theft Affidavit This letter is to inform you that I recently received a copy of my credit report that your company publishes, and after reviewing it, I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts consist of a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 





Consumer Name : XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is fraudulent, inaccurate, and false. This information consists of a personal credit card account opened Account name : XXXX and XXXX XXXX XXXX : {$630.00} Open date : XX/XX/XXXX Closing date : Account name : XXXX XXXX XXXX  Balance : $ {$1000.00} Open date : XX/XX/XXXX Closing date XX/XX/XXXX Account name : XXXX XXXX Balance : {$220.00} Open date : XX/XX/XXXX Closing date : XX/XX/XXXX Account name : XXXX XXXX : {$7100.00} Open date : XX/XX/XXXX Closing date : XX/XX/XXXX These accounts have resulted in fraudulent FICO score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file.

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

What would be a fair resolution for relief? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint within 4 business days of receiving said complaint.

The Consumer Financial Protection Act ( CFPA ) is codified in Title X of the XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX. It is primarily found in the United States Code ( U.S.C. ) at 12 U.S.C. 5481-5603