Consumer complaint received 2024-09-17
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)

Subject : Dispute of Fraudulent Accounts Due to Identity Theft from Recent National Data Breach Dear TransUnion, I am writing to formally dispute several fraudulent accounts that have appeared on my TransUnion credit report. These accounts were opened without my knowledge or consent and are the result of identity theft stemming from the latest national data breach that compromised my personal information. As such, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to request an immediate investigation and removal of the fraudulent accounts from my credit file. 

Disputed Accounts : Creditor Name : 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 Bankruptcy : Bankruptcy - {$0.00} I did not authorize or open any of these accounts, and they were likely created using stolen personal information obtained during the recent breach. Their presence on my credit report is not only inaccurate but also harmful to my credit score and financial reputation. 

FCRA Rights and Obligations : 15 U.S.C. 1681i Dispute Resolution : Under the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. I request that you conduct a thorough investigation of the fraudulent accounts listed above and delete them if they can not be verified as legitimate. 

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy : TransUnion is required to ensure the maximum possible accuracy of the information contained in consumer reports. The presence of fraudulent accounts in my file violates this standard, and I demand their immediate removal. 

15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft : As a victim of identity theft, I am entitled to have fraudulent information blocked from my credit report. I have enclosed documentation supporting my identity theft claim and request that all fraudulent accounts and related information be permanently blocked from my file. 

Actions Requested : Immediate investigation of the disputed accounts listed above. 
Removal of all fraudulent accounts from my credit report. 
Written confirmation of the actions taken, including the results of the investigation and an updated copy of my credit report reflecting the removal of the fraudulent accounts. 

Supporting Documentation : To assist with your investigation, I have enclosed the following documents : A copy of my credit report with the fraudulent accounts highlighted. 
A copy of my government-issued ID for verification purposes. 
A copy of an Identity Theft Report ( e.g., FTC Identity Theft Affidavit or police report ) to confirm the identity theft. 

Please ensure that this dispute is fully resolved within the 30-day investigation period as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Failure to act in accordance with the FCRA will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal proceedings to enforce my rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the removal of the fraudulent information from my credit report. 

Sincerely, XXXX XXXX XXXX