Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of two fraudulent XXXX accounts that have appeared on my TransUnion credit report. These accounts were reported as fraudulent, yet they continue to be removed and then re-added by TransUnion. Additionally, XXXX has repeatedly changed the status of these accounts between collections and charge-off, which appears to be a deliberate attempt to manipulate the statute of limitations and negatively impact my credit score. 

This ongoing issue has caused my credit score to drop significantly by XXXX points and constitutes a direct violation of several laws : 1. Fair Credit Reporting Act ( FCRA ) : Under 611 of the FCRA, TransUnion is required to conduct a proper investigation of disputed information and notify me of the results. The repeated re-reporting of these accounts without proper verification violates this requirement. 
623 prohibits furnishers of credit information ( e.g., XXXX ) from knowingly reporting inaccurate or incomplete information.

605 ( c ) establishes rules for the length of time adverse items can remain on a credit report, and manipulating account statuses to reset the statute of limitations violates this provision.

I received mail from TransUnion stating these two accounts were removed from my report. TransUnion did not remove them. They also responded to the complaint yesterday, stating they removed them, but it has not been removed from my report. TransUnion has not provided any proof or anything to keep this on my report, while I have provided police reports, ID theft reports, SSN card, ID, drivers license, passports, bank statements, and everything they have asked me for. They also did not follow any of the resolution requests. TransUnion has not provided any details, documentation, or proof of their verification process. - Federal Trade Commission Act ( FTC Act ), Section 5 This law prohibits businesses, including credit bureaus, from engaging in unfair or deceptive practices. Failing to investigate disputes properly, provide verification, or remove fraudulent accounts after evidence is submitted could constitute an unfair or deceptive practice under this act. - I am writing to formally dispute several issues with my Transunion credit report that require immediate attention. I have been contacting Transunion for almost 2-3 years regard
ing two XXXX accounts on my credit report that are fraudulent. Despite my numerous attempts to dispute these accounts, Transunion has failed to take appropriate action or assist me. Every time I submit a dispute and contact Transunion, they dismiss my evidence, claiming it is invalid, even though I have provided the required documents, including : Identity theft report Social Security card Bank statement Drivers license Police report When I send in all the required documents, they respond by saying they do not accept them, claim they are invalid, and then ask for the same reports again. These documents come from official and appropriate sources, yet they refuse to acknowledge them. This repeated cycle of denial and excuses is unjustifiable. Transunion also does not provide any proof or evidence to support its decisions. Instead, they simply respond that the accounts were not removed without actually investigating my case. How are they verifying this information with a company ( XXXX ) that does not respond and has stated in a BBB response that they do not have my information? I am a victim of identity theft. My personal information was compromised in the XXXX data breach, exposed on the dark web as reported by XXXX, and widely shared on social media. I have also had accounts and emails hacked. I was without proper identification until this year ( 2024 ) and only recently obtained copies of my documents. My credit report is riddled with inaccuracies, including incorrect addresses, names, and birthdates. These fraudulent XXXX accounts were opened while I was out of the country. I worked at XXXX for less than two weeks, and during that time, I did not have the credit score, employment history, or financial standing required to open such accounts. Other creditors, such as XXXX and XXXX XXXX, have investigated and confirmed fraud, removing the accounts from my reports. However, Transunion continues to refuse to act, despite these accounts being absent from my other credit reports ( XXXX and XXXX ). Furthermore, these accounts are inaccurately reported on my Transunion credit report : One account alternates between showing late and no data. Another is reported as 120 days past due on Transunion but not on other credit reports and They have been constantly opening and closing the accounts to purposely affect my report!! FCRA Section 623 ( a ) - Duty of Furnishers of Information This section requires companies furnishing information to credit reporting agencies to report accurate and complete data. Repeatedly opening and closing fraudulent accounts is a violation of their duty to ensure accuracy, especially if youve already provided proof that the accounts are fraudulent. FCRA Section 605 ( a ) - Reporting Periods Credit reporting agencies are prohibited from including outdated or inaccurate information on credit reports. Opening and closing accounts repeatedly to manipulate their appearance may violate this section as it creates inaccuracies and ongoing harm to your credit report. I have sent countless documents to Transunion since these accounts first appeared, yet they have failed to assist me. This has severely damaged my credit score and affected my ability to secure a car, apartment, or any form of creditall due to accounts I did not open. There is constant ongoing fraud on my report and these credit bureaus take no effort to help me. I have had to get over 5 fraudulent acccounts removed from my reports and I am having a major issue removing 2 of them from TransUnion. 1. Fair Credit Reporting Act ( FCRA ) : Section 609 ( e ) : Right to Obtain Information on Fraudulent Transactions Credit bureaus and creditors must provide documentation proving I authorized the accounts. If they can not, the accounts must be removed. Section 611 ( a ) : Duty to Investigate Disputes Credit reporting agencies are required to conduct a reasonable investigation of disputed accounts. If the information can not be verified, it must be removed or corrected. TransUnions lack of investigation violates this section. Section 605 ( b ) : Blocking Information Resulting from Identity Theft Credit bureaus must block fraudulent accounts within four business days of receiving an identity theft report. I have provided this report, making their refusal to act a violation of this law. 2. Identity Theft and Assumption Deterrence Act ( ITADA ) : Requires companies and institutions to assist identity theft victims in resolving fraudulent accounts. XXXX refusal to respond violates this law. XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) : Fraud Alerts and Credit Freezes : I have the right to place fraud alerts or security freezes on my credit reports to prevent further fraudulent activity. Right to Dispute Inaccurate Information : Credit bureaus must correct inaccuracies promptly after disputes. TransUnions delays and refusal to act violate this law. 4. Illinois Consumer Fraud and Deceptive Business Practices Act ( ICFA ) : This state law prohibits deceptive practices by businesses, including credit bureaus. TransUnions refusal to investigate or provide proof of verification violates ICFA. 5. Illinois Identity Theft Law ( 815 ILCS 505/2QQ ) : Provides additional protections for Illinois identity theft victims, including the right to have fraudulent information corrected and to receive assistance from creditors and reporting agencies. 6. Consumer Financial Protection Bureau ( CFPB ) Guidance : The CFPB enforces the FCRA and FACTA, ensuring that credit bureaus comply with their legal obligations. TransUnions failure to investigate or remove these accounts may warrant CFPB enforcement actions. Request for Action : I am asking the CFPB to take the following steps : Investigate XXXX failure to comply with federal and state laws, including their refusal to conduct a reasonable investigation and remove fraudulent accounts. Enforce compliance with FCRA Section 605 ( b ) to block the fraudulent accounts immediately. Ensure XXXX provides documentation of their verification process or removes these accounts as required under FCRA Section 609 ( e ). This situation has caused immense hardship, and I hope the CFPB can assist in ensuring my rights are upheld.

I am requesting the following immediate actions : 1. Permanent Removal : TransUnion must permanently remove these fraudulent XXXX accounts from my credit report.

2. Investigation : Both TransUnion and XXXX must conduct a thorough investigation into this matter and provide me with a detailed explanation of their findings.

3. Cease Negative Reporting : XXXX must immediately cease altering the status of these accounts to manipulate the statute of limitations and harm my credit score. 


Sincerely, XXXX XXXX