Product: Credit reporting or other personal consumer reports

Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Request for Investigation and Resolution of Personal Information Discrepancies and Potential Identity Theft To Whom It May Concern, I am submitting this formal complaint against TransUnion, Experian, and Equifax for their failure to update and remove incorrect personal identifiable information from my credit report. Despite multiple previous requests via written correspondence, phone calls, and online submissions, my personal information remains incorrect, and discrepancies across my credit reports raise serious concerns regarding potential identity theft. 

I. Request for Deletions/Updates Full Legal Name : My full legal name should be displayed as XXXX XXXX XXXX only XXXX 

Address Update : Delete all outdated and irrelevant addresses from my credit report. 

The only address that should be included is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do not receive mail or correspondence at any outdated addresses, nor do I have access to them. 

Phone Numbers : Delete all phone numbers currently listed on my report. 

Social Security Number & Date of Birth : Remove my Social Security number and date of birth from public display for privacy reasons.

Employer Information : Delete all information currently listed under the " Employer '' section of my report. 

II. Inconsistencies Across Credit Reports Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have observed the following discrepancies suggesting potential identity theft : Account Number Discrepancies : The same account number appears differently across the three bureaus, raising concerns about unauthorized alterations or misuse of my information.

Payment Status Inconsistencies : Discrepancies exist in the reported payment status, indicating possible errors or fraudulent activity from transactions I did not authorize. 

Address Variations : The addresses listed across the XXXX credit bureaus do not match, suggesting unauthorized parties may be using my information at different addresses. 

Employer Information Variances : Inconsistent employer data across the reports further point to fraudulent attempts to link my identity to unauthorized accounts.

III. Data Breach Impact & Failure to Protect My Information I have been a victim of multiple data breaches that compromised my personal information, including : The Equifax breach ( XXXX ) : Exposed XXXX XXXX Social Security numbers, DOBs, and addresses. 

The XXXX breach ( XXXX ) : Leaked XXXX XXXX customer records, including passport numbers. 

The Experian breach ( XXXX ) : Exposed millions of Social Security numbers and credit histories. 

Due to these breaches, fraudulent accounts were opened in my name. Despite repeated requests to update my personal information and place fraud alerts, the credit bureaus failed to act, leaving me vulnerable to further fraud. 

Additionally, each credit reporting agency has refused to provide the method of verification for disputed accounts, violating my consumer rights under multiple laws, including : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification.

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to properly safeguard my personal data.

15 U.S.C. 1681s-2 : Failure of data furnishers to ensure accuracy in reporting.