Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information on my credit report, despite multiple disputes. They have violated the Fair Credit Reporting Act ( FCRA ) by : 1. Failing to Properly Investigate my disputes.

2. Reinserting Incorrect Information without proper notice.

3. Not Providing Verification of the reported data.

4. Negatively Impacting My Credit Score, affecting my financial opportunities.

I request the CFPB to take action against TransUnion and ensure : Immediate removal of inaccurate information. 
A thorough reinvestigation. 
Enforcement of penalties for non-compliance. 
A written confirmation of corrections. 
Laws and Penalties TransUnion Violated TransUnions failure to correct inaccurate credit report information violates several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as related enforcement penalties. Below are the key violations and applicable penalties : 1. Failure to Conduct a Proper Investigation ( 1681i ( a ) ( 1 ) ) Law Violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit reporting agencies ( CRAs ) must investigate disputed information within 30 days and review all relevant information provided by the consumer.

If the information is found to be inaccurate, incomplete, or unverifiable, it must be removed or corrected.

Penalty : Willful violations of the FCRA can result in statutory damages of {$100.00} to {$1000.00} per violation ( 1681n ).

If negligence is proven, the CRA is liable for actual damages ( 1681o ). The CFPB can impose civil pe
nalties up to {$4800.00} per violation ( adjusted annually for inflation ).

2. Re-inserting Incorrect Information Without Proper Notice ( 1681a-5 ( b ) ) Law Violated : 15 U.S.C. 1681a-5 ( b ) If a CRA removes disputed information but later reinserts it, they must : Conduct a reasonable investigation before reinstating the data.

Provide the consumer with written notice within five business days of re-insertion.

Penalty : Failure to notify or reinserting unverifiable data is considered a willful violation, subject to : Statutory damages of up to {$1000.00} per violation ( 1681n ).

Punitive damages if the violation is egregious.

3. Failure to Provide Verification of Disputed Information ( 1681i ( a ) ( 2 ) ( 5 ) ) Law Violated : 15 U.S.C. 1681i ( a ) ( 2 ) - ( 5 ) CRAs must provide a consumer with evidence supporting the accuracy of disputed information if requested.

If they fail to verify the information, they must delete or modify it.

Penalty : If the CRA does not provide verification or correct inaccurate information, the consumer may be entitled to : Actual damages ( such as loss of financial opportunities ).

Attorneys fees if legal action is taken ( 1681o ).

4. Harm to Consumers Credit and Financial Standing ( 1681e ( b ) ) Law Violated : 15 U.S.C. 1681e ( b ) CRAs must maintain reasonable procedures to ensure maximum accuracy in credit reports.

TransUnions negligence in reporting inaccurate data has negatively affected my credit standing.

Penalty : The consumer may seek : Compensatory damages ( for loans denied, financial hardship ).

Punitive damages for willful violations ( 1681n ).

5. General Willful or Negligent Violations ( 1681n, 1681o ) Law Violated : 15 U.S.C. 1681n Willful noncompliance with the FCRA can result in : {$100.00} to {$1000.00} per violation in statutory damages.

Punitive damages as determined by the court.

Attorneys fees and costs for legal action.

15 U.S.C. 1681o Negligent noncompliance results in liability for actual damages and legal costs.

Conclusion & Request for Enforcement Due to TransUnions failure to properly investigate, re-inserting inaccurate data, and not verifying disputed information, I request the CFPB to : 1. Investigate TransUnions non-compliance with FCRA.

2. Impose statutory and punitive damages for violations.

3. Ensure the removal of inaccurate information from my credit report.

4. Require TransUnion to improve its dispute resolution procedures to prevent future violations. 


I appreciate your prompt attention to this matter.