Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Date ] TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Immediate Dispute of Credit Report Errors and Data Security Concerns Under FCRA Dear TransUnion, I am writing to formally dispute several inaccurate items on my TransUnion credit report and to notify you of supporting documentation related to fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and correction of the following discrepancies.

Disputed Accounts : XXXX XXXX This account reflects conflicting reporting dates and closure status, violating FCRA Section 611, which mandates that consumer reporting agencies must maintain accurate and up-to-date information. 


XXXX XXXX XXXX A 90-day late payment was reported after the account was closed. Reporting late payments on closed accounts is inaccurate and violates FCRA Section 623 ( a ) ( 1 ) ( A ), which requires accurate information reporting by data furnishers. 


XXXX. XXXX XXXX XXXX This account is reported as charged-off without proper debt validation. Under FCRA Section 609 ( a ), I have the right to request and receive verification of debts. If validation can not be provided, this item must be removed. 


XXXX. XXXX I am disputing this account due to identity theft. Attached is a signed Identity Theft Affidavit filed with the Federal Trade Commission ( FTC ) as evidence of fraudulent activity. Under FCRA Section 623 ( a ) ( 3 ), data furnishers must report disputed items accurately. Additionally, per FCRA Section 605B, once an identity theft report is filed, credit bureaus are required to block fraudulent information from appearing on a credit report within four business days. Since this account is the result of identity theft, I demand that this account be immediately removed from my credit file. 


XXXX. Child Support ( CHLD SUPP VA ) This account is misclassified as a collection account, violating multiple federal laws. FCRA Section 605 ( a ) restricts the type of public records that can be reported on a credit report, including civil judgments like child support, which can not be reported as delinquent consumer debt. Additionally, the Consumer Credit Protection Act ( CCPA ) protects individuals from having child support obligations reported as consumer debt. Reporting child support as a collection account also violates the Fair Debt Collection Practices Act ( FDCPA ) if it is misrepresented or handled as typical consumer debt. This misclassification is misleading and harmful to my credit profile and must be corrected immediately. 


XXXX. Unauthorized Hard Inquiries : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) These hard inquiries were conducted without my authorization, violating FCRA Section 604 ( a ) ( 3 ). If these inquiries can not be verified as authorized, they must be removed from my credit report.

Requested Action : Immediately investigate and remove fraudulent and inaccurate items.

Comply with FCRA Section 605B by blocking the XXXX account due to identity theft. 

Provide written verification for each account or delete unverifiable or inaccurate data. 

Complete the investigation within 30 days as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX