Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Demand for Immediate Removal Under 15 U.S.C. 1681c-2 ( a ) & CFRA Compliance To Whom It May Concern, This letter serves as a formal dispute regarding fraudulent and inaccurate information appearing on my credit report. Specifically, the following accounts and inquiry, which I did not authorize or open, must be immediately removed in compliance with federal and state laws : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute : Identity Theft, FCRA & CFRA Violations Failure to Comply with 15 U.S.C. 1681c-2 ( a ) Under 15 U.S.C. 1681c-2 ( a ), credit reporting agencies are legally required to block the reporting of fraudulent information within four business days of receiving appropriate documentation. I am a victim of identity theft and have already taken proper steps, including : Filing an identity theft report Notifying the relevant financial institutions Requesting the removal of fraudulent accounts per the FCRA and CFRA TransUnion 's failure to take immediate corrective action is a direct violation of federal consumer protection laws and will not be tolerated. 

Debt Validation Under 15 U.S.C. 1692g ( b ) Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors must validate any debts they report. This includes : Providing original signed account agreements proving I authorized these accounts Submitting proper documentation verifying the legitimacy of these debts To date, neither TransUnion nor the furnishers of these fraudulent accounts have provided such validation. Reporting unverifiable debts violates 15 U.S.C. 1681s-2, which requires furnishers to report only accurate and fully verified information. 

Consumer Financial Responsibility Act ( CFRA ) Violations The Consumer Financial Responsibility Act ( CFRA ) imposes strict guidelines on credit bureaus regarding data accuracy, consumer protection, and timely dispute resolution. TransUnion has repeatedly failed to comply with the CFRA by : Continuing to report fraudulent accounts despite proper dispute filings Failing to conduct timely and proper investigations as required by law Neglecting its duty to ensure the accuracy of consumer credit data Under the CFRA, credit reporting agencies are liable for financial and legal damages resulting from failure to remove fraudulent accounts. If TransUnion does not comply with this request immediately, I will take legal action to hold your company accountable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) exposed sensitive consumer data, including mine, leading to fraudulent credit activity. As a result, these disputed accounts and inquiries stem directly from identity theft and should have been flagged and removed immediately. 

By failing to acknowledge the security implications of the XXXX breach, TransUnion is further violating FCRA and CFRA regulations.

Demand for Immediate Action I demand the following actions in full compliance with federal and state laws : 1. Immediate blocking and removal of the fraudulent accounts and inquiry listed above under 15 U.S.C. 1681c-2 ( a ).

2. Debt validation under 15 U.S.C. 1692g ( b ) by providing original signed account agreements proving my authorization of these accounts. If validation can not be provided, TransUnion must permanently delete these accounts. 


XXXX. Written confirmation of the deletion of these accounts and inquiry, along with proof of your investigation findings. 



Legal Consequences for Noncompliance Failure to comply with this dispute within the legally required timeframe will leave me no choice but to pursue legal action, including : Filing a lawsuit under 15 U.S.C. 1681n and 15 U.S.C. 1681o for willful and negligent noncompliance with the FCRA.

Taking legal action under 15 U.S.C. 1692k for violations of the FDCPA related to unlawful debt reporting. 

Filing formal complaints with the CFPB, FTC, and State Attorney General regarding TransUnions noncompliance.

Issuing subpoenas for TransUnions records related to this dispute.