Product: Credit reporting or other personal consumer reports

This letter serves as an URGENT final demand to remove XXXX fraudulent accounts from my credit report. I have disputed both of these accounts FIVE TIMES without resolution. Your persistent failure to take appropriate action is a clear violation of the Fair Credit Reporting Act ( FCRA ). I will no longer tolerate the damage to my credit score caused by these inaccurate and fraudulent accounts.

I am aware of my legal rights, and I will not hesitate to escalate this matter further. If you fail to remove these accounts immediately, I will pursue legal action and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Attorney General, and the Federal Trade Commission ( FTC ). 
Account # 1 : Deferit Account Number : XXXX This Deferit account has been consistently reported as closed every 30 days, which is harming my credit score. However, when you updated this account, it was marked as " placed for collection '', further proving that you have never accurately reported the account in the first place. Despite 5 disputes on this account, you have failed to correct these errors, which is a direct violation of Section 605B of the FCRA, mandating removal of fraudulent accounts once identity theft is reported.

I have submitted a police report proving fraud and identity theft, but you continue to report the account as accurate. This is a clear violation of Section 607 and Section 611 of the FCRA, which require that inaccuracies be corrected and disputed information be fully investigated. Moreover, this account does not appear on any other credit bureau, nor have I received any inquiries from Deferit, which further supports my claim of fraud. 
Account # XXXX XXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft, and this Nordstrom/TD Bank account was never mine . Despite this, you continue to report it as accurate and have even updated the payment history, including changing the charge-off date. This is a blatant violation of the FCRA and is damaging my credit irreparably. 
The payment history updates you made changing XX/XX/XXXX ( unknown ) to current, XX/XX/XXXX ( current ) to 30 days late, XX/XX/XXXX ( unknown ) to current, and XX/XX/XXXX ( current ) to 30 days late are incorrect, misleading, and fraudulent. More egregiously, you updated the charge-off date from XX/XX/XXXX to XX/XX/XXXX, which is entirely fabricated and not only shows gross negligence in reporting but also violates Section 607 of the FCRA by failing to maintain accurate information.

Moreover, your claim that you verified the account by sending mail to an address that I do not recognize is false verification. The account was never mine, and your actions here continue to violate my rights under the FCRA. I demand immediate removal of this account. 
XXXX XXXX XXXX  Account Number : XXXX Additionally, you are reporting an account under XXXX XXXX that was never mine. When I contacted XXXX XXXX for validation, they sent me a virtual statement with an address I have never been associated with. They have failed to provide any proper documentation regarding the sale of the account. You have a legal obligation to investigate this account properly, and your failure to do so further violates the FCRA. 
I have already provided all necessary documentation of my identity theft, yet you persist in reporting this fraudulent information. The continued misreporting of this account demonstrates your blatant disregard for the law and my rights as a consumer. 
Violation of FCRA Laws TransUnions actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), including : Section 605B : Failure to remove fraudulent accounts after I reported identity theft.

Section 607 : Continuing to report inaccurate and fraudulent information.

Section 611 : Failure to conduct a proper investigation into these disputes and provide accurate information.

Your refusal to correct these errors after multiple disputes, and your false verification of fraudulent accounts, shows that you are in gross violation of my rights under the FCRA. 
In addition to the violations already outlined, TransUnions handling of my disputes has also resulted in the following breaches of the Fair Credit Reporting Act ( FCRA ) : Failure to mark the disputed accounts as disputed as required under Section 623. This continues to mislead potential creditors and further damages my credit.

Your blatant failure to remove fraudulent information as required by Section 605B and your refusal to act on the clear evidence of fraud Ive provided, including police and identity theft reports, only confirms your non-compliance with the FCRA.

Failure to validate the debts properly or provide adequate documentation supporting the accounts, in violation of Section 609, shows that you have not conducted a thorough investigation.I requested proper validation, but you have not responded in accordance with the law.

Failure to Investigate Disputes in a Timely Manner ( FCRA Section 611 ) : TransUnion failed to investigate my disputes within the required 30-day timeframe, repeatedly using stall tactics to delay the process. On several occasions, you sent " dummy mail '' with generic letters falsely stating that an investigation was in process. In many instances, you falsely claimed that additional identity documents were needed, even though I had already provided certified copies and uploaded them each time a dispute was filed. These tactics were clearly intended to stall the investigation and extend the dispute process beyond the 30-day timeframe required by law.

Failure to Correct Inaccurate or Incomplete Information ( FCRA Section 607 ) : You have failed to correct the incomplete or inaccurate reporting of these accounts despite having ample evidence of identity theft. This continues to harm my credit. 
Engaging in Unfair or Deceptive Practices ( CFPB Regulations ) : TransUnion 's conduct, including failure to investigate properly, delay of resolution, and misleading verifications, amounts to unfair and deceptive practices under CFPB rules, which only further undermines the integrity of the credit reporting process. 
Failure to Delete Information Proven to Be Inaccurate or Fraudulent ( FCRA Section 611 ) : TransUnion continues to report inaccurate information after I provided clear and compelling evidence of identity theft. This failure to remove fraudulent data violates my rights under the FCRA.

Multiple Disputes Resulting in Inaccurate Information ( FCRA Section 611 ) : Your repeated failure to resolve these disputes after multiple attempts only further demonstrates your failure to properly investigate and correct inaccurate information.

Final Demand This is your final warning to immediately remove these fraudulent accounts from my credit report. If you do not delete both the Deferit account and the XXXXXXXX XXXX account ( and associated XXXX XXXX account ), I will take immediate action by : Pursuing legal action to hold you accountable for the harm caused by your negligence and violation of the FCRA. 
Seeking the removal of TransUnions access to my credit file due to your repeated violations of the law.

I demand that you delete these accounts within 15 business days and provide me with written confirmation that the accounts have been permanently removed. If you fail to act, I will have no choice but to escalate this matter to the fullest extent possible under the law. 
Sincerely, XXXX XXXX