Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX RE : Dispute for Fraudulent Accounts Metro 2 Compliance Date : XX/XX/XXXX Dear Sir or Madam, I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing Section 605B, and related California consumer protection laws to request the immediate removal and blocking of fraudulent items on my consumer credit report. I have been a victim of identity theft, which has resulted in erroneous accounts being reported under my credit file.

In compliance with Section 605B of the FCRA, you are required to block any information resulting from identity theft within four ( 4 ) business days of receipt of this request. Furthermore, you must notify the original furnishers of this information and ensure that no negative reporting is allowed on my credit file.

I am invoking my rights under the FCRA, the Consumer Credit Reporting Agencies Act ( CCRAA ) of California, and Metro 2 standards for credit reporting. I request that you remove the following disputed items using the appropriate Metro 2 codes and immediately halt any further reporting or collection activities. 

Fraudulent Accounts : 1. XXXX XXXX XXXX Account Number : XXXX Amount : {$320.00} Reason for Dispute : This account was fraudulently opened as a result of identity theft and is not mine. Under Metro 2 guidelines, this account should be flagged with the XXXX XXXX ( Consumer Disputes Fraud ) and marked for deletion. As required by Section 605B of the FCRA and California law, I demand its immediate removal from my credit report, and all negative items associated with it be deleted. 
2. XXXX XXXX. 
Account Number : XXXX XXXX : {$130.00} Reason for Dispute : This account was opened as a result of identity theft and is not mine. In compliance with Metro 2 standards, this account should also be marked with the XB code for fraud and removed from my credit file under Section 605B of the FCRA. You are required by federal law and the California Identity Theft Act to block and delete this information immediately. 
3. XXXX XXXX Account Number : XXXX Reason for Dispute : This account was fraudulently opened through identity theft. I invoke Section 605B of the FCRA, the California Financial Code Section 4050, and Metro 2 standards. I request this account be flagged as fraudulent using the appropriate XB dispute code and be removed from all credit reporting agencies records. 

Legal Requirements : Fair Credit Reporting Act ( FCRA ) Section 605B : Requires blocking of information resulting from identity theft within four business days. Metro 2 Dispute Codes ( XB for
Fraudulent Disputes ) : To ensure proper processing, I request these accounts be removed using the Metro 2 XB code, which indicates consumer disputes identity theft and fraud. 
Consumer Credit Reporting Agencies Act ( CCRAA ) : As per California Civil Code Section 1785.16 ( k ), any information on my credit report resulting from identity theft must be removed without delay. 
California Financial Code Section 4050 : Establishes further protections for consumers in identity theft cases. 

Enclosures : A copy of my credit report with fraudulent items circled. 
A copy of my Identity Theft Report ( FTC Report Number : XXXX ) and proof of my identity ( drivers license ). 
A copy of Section 605B of the FCRA outlining the legal requirements for blocking fraudulent items. 

In conclusion, I expect immediate action in compliance with federal and state law. Upon processing, please send written confirmation that these fraudulent items have been blocked and removed from my credit report. Failure to comply will result in further legal actions, as I will exercise all available rights under the FCRA, California Identity Theft Act, and CFPB regulations. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX SSN XXXX Enclosures : Identity Theft Report ( FTC Report Number : XXXX ) Proof of identity ( Drivers License ) Copy of Credit Report with fraudulent accounts circled Fair Credit Reporting Act Section 605B [ PDF ] -- - XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, TX XXXX **RE XXXX Dispute for Fraudulent Accounts Metro 2 Compliance** **Date XXXX ** XX/XX/XXXX Dear Sir or Madam, I am submitting this formal written dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing **Section 605B**, and related California consumer protection laws to request the immediate removal and blocking of fraudulent items on my consumer credit report. I have been a victim of identity theft, which has resulted in erroneous accounts being reported under my credit file. 

In compliance with **Section 605B** of the FCRA, you are required to block any information resulting from identity theft within **four ( 4 ) business days** of receipt of this request. Furthermore, you must notify the original furnishers of this information and ensure that no negative reporting is allowed on my credit file. 

I am invoking my rights under the FCRA, the **Consumer Credit Reporting Agencies Act ( CCRAA ) ** of California , and **Metro 2 standards** for credit reporting. I request that you remove the following disputed items using the appropriate Metro 2 codes and immediately halt any further reporting or collection activities. 

# # # Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX : ** XXXX XXXX : ** {$320.00} **Reason for Dispute : ** This account was fraudulently opened as a result of identity theft and is not mine. Under **Metro 2 guidelines**, this account should be flagged with the **XXXX XXXX  ( XXXX Disputes XXXX ) ** and marked for deletion. As required by **Section XXXX of the FCRA and California law , I demand its immediate removal from my credit report, and all negative items associated with it be deleted. 

2. *XXXX XXXX XXXX XXXX : ** XXXX XXXX : ** {$130.00} **Reason for Dispute : ** This account was opened as a result of identity theft and is not mine. In compliance with **Metro 2 standards**, this account should also be marked with the **XB code** for fraud and removed from my credit file under **Section 605B** of the FCRA. You are required by federal law and the **California Identity Theft Act** to block and delete this information immediately. 

3. XXXX XXXX XXXX XXXX : ** XXXX **Reason for Dispute : ** This account was fraudulently opened through identity theft. I invoke **Section 605B** of the FCRA, the **California Financial Code Section 4050**, and **Metro 2** standards. I request this account be flagged as fraudulent using the appropriate XB dispute code and be removed from all credit reporting agencies ' records. # # # Legal Requirements : - **Fair Credit Reporting Act (
FCRA ) Section 605B : ** Requires blocking of information resulting from identity theft within **four business days**.

- **Metro 2 Dispute Codes ( XB for Fraudulent Disputes ) : ** To ensure proper processing, I request these accounts be removed using the **Metro 2 XXXX XXXX*, which indicates consumer disputes identity theft and fraud. 
- **Consumer Credit Reporting Agencies Act ( CCRAA ) : ** As per California Civil Code Section 1785.16 ( k ), any information on my credit report resulting from identity theft must be removed without delay.

- **California Financial Code Section 4050 : ** Establishes further protections for consumers in identity theft cases. 

# # # Enclosures : - A copy of my **credit report** with fraudulent items circled. 
- A copy of my **Identity Theft Report** ( FTC Report Number : XXXX ) and proof of my identity ( drivers license ). 
- A copy of **Section 605B of the FCRA** outlining the legal requirements for blocking fraudulent items. 

In conclusion, I expect immediate action in compliance with federal and state law. Upon processing, please send written confirmation that these fraudulent items have been blocked and removed from my credit report. Failure to comply will result in further legal actions, as I will exercise all available rights under the **FCRA**, XXXX*California Identity Theft Act**, and **CFPB regulations**. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, *XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX -- - **Enclosures : ** - Identity Theft Report ( FTC Report Number XXXX XXXX ) - Proof of identity ( Drivers License ) - Copy of Credit Report with fraudulent accounts circled - Fair Credit Reporting Act Section 605B [ PDF ] -- -