Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX TransUnion LLC Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Request for Address Update Regarding Fraudulent Accounts and Inaccurate Credit Reporting Dear TransUnion Consumer Fraud Division, I am writing to formally dispute inaccurate and fraudulent information on my credit report. Additionally, I am requesting an immediate update to my current address as listed above. In accordance with the Fair Credit Reporting Act ( FCRA ), I urge TransUnion to investigate and resolve these issues promptly.

I am a victim of identity theft, and fraudulent accounts have been opened in my name, significantly impacting my credit score. I have taken the following steps to verify my claims : 1. Filed a notarized affidavit, verified by law enforcement, confirming I am a victim of identity theft. 


2. Submitted a formal complaint with the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ).

Fraudulent Accounts and Inquiries The following accounts and inquiries must be removed immediately as they were fraudulently opened or unauthorized : XXXX XXXX XXXX ( Account # XXXX ) Balance : {$7800.00} Opened : XX/XX/XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX Phone : ( XXXX ) XXXX Fraudulent Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Precedents I would like to draw your attention to cases where TransUnion failed XXXX remove fraudulent information, resulting in successful lawsuits by plaintiffs : 1. Smith v. Trans Union LLC ( 2002 ) : The court found TransUnion in violation of the FCRA for failing to correct fraudulent accounts despite multiple disputes, awarding damages to the plaintiff.

2. Serrano v. Trans Union LLC ( 2019 ) : TransUnion was held liable for failing to remove inaccuracies that adversely impacted the plaintiff 's credit score, leading to significant financial compensation.

3. United States v. TransUnion LLC ( 2020 ) : TransUnion faced penalties for systemic FCRA violations, including failure to address identity theft complaints effectively.

These cases underscore the legal obligations under the FCRA and the serious consequences of non-compliance.

Requested Actions 1. Immediate removal of the fraudulent accounts and inquiries listed above. 


2. Update of my address to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXX. 


3. Adjustment of my credit score to reflect the removal of the fraudulent information.

I have included the following documentation to support my dispute : A copy of my government-issued ID My Social Security card A notarized identity theft affidavit FTC and CFPB complaint references I trust that TransUnion will address this matter promptly. As per 15 U.S.C. 1681c-2, you are required to remove fraudulent information resulting from identity theft within four business days. Failure to do so may result in further legal action.

Please provide written confirmation of your findings and actions at the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX : XXXX Enclosures : ID and Social Security Card Notarized Identity Theft Affidavit FTC and CFPB Complaints