Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Second Request to Remove Fraudulent Accounts File Number : XXXX XXXX. Purpose of Letter This letter serves as a second formal request for TransUnion to remove the following fraudulent accounts from my credit report, as required under Section 605B of the Fair Credit Reporting Act ( FCRA ) and Georgia state law ( XXXX XXXX  ). 

XXXX. Fraudulent Accounts to Be Removed The fraudulent accounts in question are : XXXX XXXX XXXX XXXXXXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX XXXX Previous Response from TransUnion In your previous response, you stated that the fraud removal request was declined because : [ No exact reason was provided by TransUnion, e.g., the item reflected a history of previous payments made, the account was opened prior to when the fraud was reported to have occurred, or the removal request may have been made in error. ] 4. Legal Requirements This reasoning is inconsistent with the clear requirements of Section 605B of the FCRA and Georgia state law ( XXXX XXXXXXXX ), which state : Federal Law : Section 605B of the FCRA ( 15 U.S.C . 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Georgia State Law : XXXX. XXXX ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt of : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

5. Documentation Provided To comply with these laws, I have already provided TransUnion with the following documentation : A copy of my FTC Identity Theft Report ( attached ).

A copy of my police report ( attached ).

Proof of my identification ( attached ).

6. Demand for Immediate Action The presence of a payment history or the timing of the account opening does not negate the fact that these accounts were created as a result of identity theft. Neither Section 605B of the FCRA nor Georgia state law provides exceptions for accounts with payment histories or those opened before the fraud was reported. 

I demand that TransUnion immediately remove the fraudulent accounts listed above and provide written confirmation of the removal. Failure to do so will leave me no choice but to escalate this matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursuing legal action for violations of the FCRA and Georgia state law, including but not limited to seeking statutory damages, punitive damages, and attorneys fees.

7. Response Deadline Please confirm receipt of this letter and provide an update on the status of my request within 10 business days. If additional information is required, do not hesitate to contact me 8. Attachments The following documents are attached to this letter : FTC Identity Theft Report. 

Police Report.

Proof of Identification.

9. Conclusion Thank you for your prompt attention to this matter. 

Sincerely,