Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unauthorized and Inaccurate Credit Reporting Violation of Federal Laws Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and legality of the following accounts being reported on my TransUnion credit file : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX Bankruptcy Upon review of my credit report, I have identified multiple violations of federal law, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), and Aggravated Identity Theft ( 18 U.S.C. 1028A ). TransUnion 's failure to adhere to these laws and its unauthorized disclosure of my personal information without permissible purpose places my consumer rights at risk and requires immediate correction.

Violations and Legal Basis for Dispute 1. Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized Disclosure of My Nonpublic Personal Information Under 15 U.S.C. 6802, financial institutions are prohibited from sharing consumer data with third parties without explicit consumer consent. If TransUnion can not provide written proof of my consent for the reporting of the above-listed accounts, then you are in direct violation of federal privacy laws.

Resolution Demand : Immediately remove these accounts from my credit file, as they were reported and shared without my authorization.

2. Violation of 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of Permissible Purpose According to 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report under specific circumstances, such as a legitimate credit transaction or court order. I demand : Proof of Permissible Purpose Provide verifiable documentation showing that I authorized TransUnion to collect, store, and disseminate this data.

Proof of Direct Verification If TransUnion claims to have verified the bankruptcy or any of the disputed accounts, you are required under FCRA 611 ( a ) ( 7 ) to provide : The exact entity that verified the information.

A copy of the actual documentation used for verification.

The method by which verification was conducted.

If no such evidence exists, then this reporting is illegal and must be removed immediately.

Resolution Demand : If TransUnion can not provide written verification that I initiated and authorized the reporting of these accounts, they must be permanently deleted from my credit report.

3. Violation of 18 U.S.C. 1028A Aggravated Identity Theft Under 18 U.S.C. 1028A, the unauthorized use or reporting of an individuals personally identifiable information constitutes identity theft. If TransUnion is reporting accounts that do not belong to me or accounts obtained via fraudulent means, you may be liable for identity theft and misrepresentation of my credit profile.

Resolution Demand : If TransUnion can not confirm 100 % accuracy with signed contracts and verifiable documentation, I demand the immediate removal of these accounts and an internal review of all fraudulent reporting activities.

Formal Demand for Deletion and Legal Compliance Per FCRA 611 ( a ) ( 1 ) ( A ), TransUnion must conduct a formal reinvestigation within 30 days. If TransUnion fails to correct these violations, I will escalate this matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Additionally, failure to comply may result in legal action under FCRA 616 and 617, entitling me to damages of up to {$1000.00} per violation, plus punitive damages.

Conclusion & Final Notice I expect a written response confirming the removal of these accounts within 30 days from todays date. If TransUnion continues to negligently or willfully report inaccurate and unauthorized information, I will seek all available remedies under the law. 

Sincerely, XXXX XXXX XXXX