Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Immediate Action Pursuant to 15 U.S.C. 6801, 6802, 1681a, 1681b, and 1681k Dear TransUnion, This letter serves as a formal demand for the immediate removal of inaccuracies and unauthorized accounts on my credit report, as well as a claim for civil liability for statutory violations of federal consumer protection laws, specifically the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681a, 1681b, and 1681k ).

Upon reviewing my credit report, I have identified the following accounts that must be addressed immediately : XXXX.Student Loans These accounts are erroneous and must be removed without delay. 
XXXXAll XXXX Accounts These accounts are unauthorized, and their inclusion is unlawful. 

Violations of Consumer Protection Laws XXXXControl and Content of Consumer Reports ( 15 U.S.C. 1681a ) Under 15 U.S.C. 1681a ( a ) ( 2 ), consumer reporting agencies are strictly directed regarding what constitutes a consumer report and the exclusions allowed. The inclusion of unauthorized and inaccurate accounts demonstrates a violation of these exclusions and an overreach of authority over my personal financial data.

XXXX.Permissible Purpose of Consumer Reports ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be accessed or furnished for permissible purposes with the consumers consent or under lawful grounds. I have not authorized the reporting or disclosure of the above-referenced accounts. Their inclusion on my report indicates a direct breach of this statutory requirement. 
XXXXCivil Liability for Noncompliance ( 15 U.S.C. 1681k ) TransUnion has a legal obligation to ensure the accuracy, integrity, and permissible inclusion of all data on my credit report. Failing to comply with these provisions subjects you to civil liability. Under 15 U.S.C. 1681k, I am entitled to {$1000.00} in statutory damages for each violation, in addition to the immediate removal of the accounts in question. 

Demands I hereby demand the following actions be completed within the 30-day statutory dispute period : XXXXImmediate Removal : Remove all student loan accounts and all XXXX accounts from my credit report. 
XXXXWritten Confirmation : Provide written confirmation of the removal of these accounts from my file. 
XXXX.Full Verification Documentation : If you claim these accounts are valid, furnish all original signed documentation and proof of permissible purpose under 15 U.S.C. 1681b ( a ) ( 2 ). 
XXXXPayment for Damages : Remit {$1000.00} for each violation, as mandated under 15 U.S.C. 1681k, for the harm caused by your failure to comply with consumer protection laws.

Failure to resolve this matter promptly and in accordance with federal law will leave me no choice but to escalate this case to the Consumer Financial Protection Bureau ( CFPB ), pursue legal action to enforce my rights, and seek all available remedies under law, including statutory damages, legal fees, and costs. 

I expect your immediate attention to this matter and a written response delivered to the address above. 

Sincerely, XXXX XXXX