Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally complain about the willful non-compliance of XXXX, TransUnion, and XXXX with their obligations under the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. FCRA 1681, FCRA 605B, FCRA 615 ( f ), andFCRA 623 ( a ) ( 6 ).

Regardless of my repeated disputes pertaining to accounts on my credit reports that are the result of identity theft, these credit reporting agencies and the original creditors have failed to fulfill their legal obligations to investigate and remove these accounts. Instead, they have compounded the harm caused to me by identity theft and fraud in the following ways : XXXX. Failure to Remove Fraudulent Accounts : I have submitted multiple disputes to XXXX, TransUnion, and XXXX, providing substantial documentation, including a police report and two identity theft affidavits from IdentityTheft.gov. Despite this, the agencies have not removed the fraudulent accounts from my credit report.

2. Improper Updating of Fraudulent Accounts : Instead of properly investigating my disputes, the credit reporting agencies and original creditors have updated the account information, including the original account address and phone number, to reflect my current address and phone number. This action is deeply concerning and suggests an utter disregard for their obligations under FCRA 605B and 623 ( a ) ( 6 ).

3. Inadequate Methods of Verification : In response to my dispute letters, I requested that the credit reporting agencies provide a detailed explanation of their methods of verification for the disputed accounts. Each agency sent me a generic response explaining how they verify accounts in general, without providing specific information about the verification process used for my accounts. This lack of transparency violates FCRA 615 ( f ).

4. Exposure of Personal Information : I have been a victim of multiple data breaches, and my information is on the dark web that has exposed my personal information, further exacerbating the likelihood of identity theft. Despite being notified of these circumstances, the credit reporting agencies have failed to act in accordance with their responsibilities under the law. 
These are the negative accounts currently listed on my credit report that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inaction and noncompliance of these credit reporting agencies have caused significant financial harm and emotional distress. I request the Federal Trade Commission to investigate this matter thoroughly and take appropriate enforcement actions to ensure compliance with the FCRA.

Enclosed with this letter are copies of the following documents for your reference : Police report Two identity theft affidavits from IdentityTheft.gov Lawsuit with Mortgage Company Thank you for your attention to this urgent matter. Please feel free to contact me using the information provided above if you have anything further is needed. 
Sincerely, XXXX XXXX XXXX