Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of several items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy and completeness of the information you report. Additionally, the recent re highlights significant lapses in your data security and accuracy controls, further necessitating immediate action on your part. 

Disputed Accounts : XXXX Installment Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$10000.00} Issue : I previously disputed this account. I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

XXXX XXXX  Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$7000.00} Issue : Incorrectly reported as a charged off account with a balance due. I previously disputed this account and do not agree with the results. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative information. 

XXXX XXXX  Installment Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$5300.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXXXXXX XXXX XXXX  Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$2600.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$17000.00} Issue : Incorrectly reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative information. 

XXXX XXXX Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$2300.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX  Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$420.00} Issue : Incorrectly reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative information. 

XXXXXXXX XXXX XXXX Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$730.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Revolving Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$3600.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX XXXXXXXX Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$1700.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX Account ( # XXXX ) Opened : XX/XX/XXXX Balance : {$2500.00} Issue : Dispute of negative payment status and history. Please provide all statements showing the exact past due amount and the exact date the account became negative. 

XXXX XXXX XXXX XXXX  Account ( # XXXX ) Opened : XX/XX/XXXXXXXX  Balance : {$19000.00} Issue : Dispute of missed payments and late payments. Please provide statements and records of all payments made and missed since I opened this account. 

XXXX XXXX XXXX Account ( # XXXX ) Balance : {$430.00} Original Creditor : XXXX XXXX. 

Issue : Dispute of amount and open date. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

XXXX XXXX XXXX Collection Account ( # XXXX ) Balance : {$3100.00} Original Creditor : XXXX XXXX XXXX  Issue : Dispute of amount and open date. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Inquiry from XXXX XXXX on XX/XX/XXXX Issue : Unauthorized hard inquiry. Please delete this inquiry. 

Inquiry from XXXX on XX/XX/XXXXXXXX  Issue : Unauthorized hard inquiry. Please delete this inquiry. 

Legal Violations and Precedent : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to investigate disputes within 30 days. The XXXX data breach in XX/XX/XXXX further underscores your obligation to ensure accurate reporting and data security. The case of XXXX XXXX XXXX XXXX ( XXXX ) established that failure to conduct reasonable investigations can result in liability under the FCRA. 

In light of these violations, I am demanding the immediate deletion of the disputed accounts or correction of inaccuracies. Failure to comply with these obligations may result in further legal action. 

Please provide written confirmation of the corrections or deletions to my credit report. Thank you for your prompt attention to this matter.