Product: Debt collection

To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with fraudulent accounts and inquiries on my credit report. These fraudulent entries are a direct result of a data breach, and despite my numerous attempts to resolve the issue, TransUnion has completely failed to properly investigate or remove these fraudulent accounts and inquiries.

The following accounts and inquiries do not belong to me and are clearly the result of fraudulent activity stemming from the data breach. It is utterly unacceptable that, after multiple attempts to resolve this issue with TransUnion, I am still facing this unresolved mess on my credit report. 

Fraudulent Accounts in Question : XXXX XXXX XXXX  Issue : This account is fraudulent. It was opened without my consent or knowledge, and I have already provided TransUnion with documentation that proves the account is not mine. Despite this, TransUnion has failed to take action. 

Capital XXXX Issue : Another fraudulent account that should never have been reported under my name. Ive submitted supporting documents proving I had no involvement with this account, yet TransUnion continues to ignore my rightful claims. 

XXXX  ( XXXX XXXX ) Issue : Fraudulent activity under this account has led to false reporting, which TransUnion has been fully aware of for months but continues to mishandle. 

XXXX ( XXXX XXXX  ) Issue : This account is a fraudulent entry stemming from the data breach. TransUnion has failed to investigate this properly despite me submitting clear evidence to support my claim of fraud. 

Fraudulent Inquiries : In addition to the fraudulent accounts listed above, there are several inquiries on my credit report that are the direct result of this data breach. These inquiries are not authorized by me and should never have been made. I have provided ample evidence to TransUnion, but they have chosen to ignore it and continue reporting these fraudulent inquiries. 

The inquiries are as follows : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX Location : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Location : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, TX XXXX XXXX of TransUnions Investigation Process : Let me be crystal clear : TransUnions failure to properly investigate and remove these fraudulent entries is absolutely unacceptable. I have reached out to TransUnion multiple times and submitted all necessary documentation, including my fraud report, evidence of identity theft, and supporting bank statements. Despite this, TransUnion has continuously failed to act in good faith, choosing to ignore my claims and keep these fraudulent items on my credit report. 

This is NOT just a simple mistake. This is a violation of my rights as a consumer and an appalling display of negligence. Their lack of action is damaging my credit, and it is unacceptable that I am being forced to deal with the consequences of someone else 's criminal activity. 

Desired Resolution : I demand that TransUnion : Immediately remove all fraudulent accounts and inquiries related to the data breach. 
Thoroughly investigate each fraudulent entry and update my credit report to reflect accurate, truthful information. 
Provide me with written confirmation that these items have been removed and my credit report has been corrected. 
Report this investigation to the other credit bureaus ( XXXX and XXXX ) so they can update my credit files accordingly. 
If TransUnion refuses to take appropriate action, I will take further steps to escalate this issue to the appropriate authorities, including but not limited to seeking legal recourse and filing a complaint with the Federal Trade Commission. 

I expect this matter to be resolved IMMEDIATELY. 

Thank you for your attention to this urgent and extremely important matter. I demand a prompt response and resolution. Failure to address these fraudulent activities properly will only lead to further escalation on my part. 

Sincerely, XXXX XXXX XXXX