Product: Credit reporting or other personal consumer reports

CFPB Complaint TransUnion Reporting Fraudulent Accounts TransUnion is the only credit bureauTHE ONLY CREDIT BUREAUreporting TWO fraudulent accounts on my credit report. They keep adding and removing them with NO PROOF of accuracy. The accounts are XXXX XXXX XXXX XXXX accounts. I have been disputing this for OVER 3 YEARS now, and the other credit bureaus, XXXX and XXXX, DO NOT have these accounts on my report because I provided PROOF they are fraudulent. They also knew they were fraudulent. 

When I contacted XXXX through a XXXX  report ( which I will include in this report ), they confirmed these accounts were fraudulent. XXXX stated that they DO NOT report to credit bureaus. I also have a recorded conversation with a XXXX representative who has worked there for OVER 30 YEARS, and she confirmed that she contacted the XXXX credit agencies. She said it appears to be a FRAUDULENT COMPANY, especially since TransUnion is the ONLY bureau reporting these accounts. TransUnion is also manipulating the reporting status of these fraudulent accounts, constantly updating them from opened to closed, switching them between collection and charge-off, and altering payment history to deduct even more points from my credit score every time I dispute and they remove part of the information. This is clear evidence of bad faith reporting, yet TransUnion still refuses to remove the accounts entirely. Like how much more proof do you need? The company is literally stating out their own mouth and in words fraud, I am saying fraud and also proving everything!!!

1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers Must Provide Accurate Information TransUnion is prohibited from knowingly misrepresenting account details or altering account statuses in a way that harms consumers. 
2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinsertion of Previously Deleted Information If an account is removed due to being proven fraudulent, TransUnion CAN NOT reinsert the same or modified version of that account without proper certification and notification.

This pattern of status manipulation is not just deceptiveits illegal. TransUnion must be held accountable and permanently remove these fraudulent accounts from my report.

TransUnion has been requested EVERY SINGLE TIME to show PROOF of where they are getting this information from to validate these accounts, and they NEVER SEND ANYTHING. Instead, they REFUSE TO REMOVE THE ACCOUNTS, even though, for the past THREE YEARS, I have provided : My ID My drivers license My passport My birth certificate My bank statements Police reports Identity theft reports And more I am a victim of identity theft and have been involved in multiple data breaches, with my personal information publicly exposed. Over the years, I have had multiple fraudulent accounts appear on my credit report, but XXXX and XXXX immediately removed them after verifying they were fraudulent, and I never had issues again. However, TransUnion has been a constant obstacle, taking me nearly four years to remove just three fraudulent accounts, even when the companies involved provided letters confirming the fraud. Recently, I contacted TransUnion to remove a separate negative account, providing direct proof from the company itself, yet it took them over a month to respond and remove it. However, as soon as they removed that account, they re-added the same fraudulent accounts I had already proven were false. This happens every single timewhen I dispute something that should not be on my report, TransUnion removes it but then adds something else fraudulent back. How is that not suspicious and deliberate? 

I have given them EVERYTHING they asked for. Yet, they continue to IGNORE the evidence and even go as far as LYING by sending me mail stating that my documents are not valid. This is FALSE because XXXX and XXXX received the SAME DOCUMENTS and had NO ISSUE assisting me. 

I have filed reports with the XXXX and am now filing AGAIN with the CFPB because TransUnion REFUSES to help. 

I AM ONLY XXXX XXXX XXXX, AND I HAVE BEEN DEALING WITH THIS SINCE I WAS XXXX OR XXXX. 

I DID NOT OPEN OR APPLY FOR THESE ACCOUNTS. I WASNT EVEN IN THE COUNTRY WHEN THEY WERE CREATED. 

THIS IS DESTROYING MY CREDIT. THESE ARE THE ONLY NEGATIVE ACCOUNTS ON MY REPORT, AND BECAUSE OF TRANSUNIONS NEGLIGENCE, I CAN NOT GET APPROVED FOR ANYTHING FROM COMPANIES THAT RELY ON TRANSUNION. I CANT GET MY FIRST APARTMENT OR ANYTHING TRANSUNION HAS NO PROOF. 

I HAVE CONTACTED EVERY NUMBER AND EVERY PERSON I COULD FIND. I HAVE REACHED OUT TO MULTIPLE XXXX  DEPARTMENTS, AND EVERY SINGLE ONE HAS TOLD ME THESE ACCOUNTS ARE FRAUDULENT. 

TRANSUNION NEEDS TO BE HELD ACCOUNTABLE. 

THESE FRAUDULENT ACCOUNTS MUST BE REMOVED IMMEDIATELYAND PERMANENTLY. THEY MUST NOT BE ADDED BACK. 

Laws That Support My Complaint : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681e ( b ) : Accuracy Requirement Credit bureaus MUST ensure the accuracy of information in consumer reports. TransUnion has FAILED to verify the accuracy of these accounts. 
1681i ( a ) : Reinvestigation of Disputed Information TransUnion is REQUIRED to conduct a reasonable reinvestigation when I dispute inaccurate information. Their failure to provide verification violates this provision.

1681c-2 : Block of Information Resulting from Identity Theft I have provided identity theft reports and police reports. TransUnions refusal to block these fraudulent accounts is a direct violation.


1681n : Civil Liability for Willful Noncompliance TransUnion is WILLFULLY violating the FCRA by refusing to remove fraudulent information despite overwhelming evidence. 1681o : Civil Liability for Negligent Noncompliance
TransUnions

NEGLIGENCE in handling my disputes has caused financial harm and stress.

2. Fair Trade Commission Act ( FTC Act ) 15 U.S.C. 45 Unfair and Deceptive Practices TransUnions refusal to correct fraudulent information and their misleading claims about document validity constitute UNFAIR and DECEPTIVE business practices.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Prohibition Against Unfair, Deceptive, or Abusive Acts ( UDAAP ) TransUnions actions are UNFAIR and DECEPTIVE, violating federal consumer protection laws.

4. Illinois Consumer Fraud and Deceptive Business Practices Act 815 ILCS 505 Since I reside in Illinois, TransUnions failure to correct fraudulent information VIOLATES STATE CONSUMER PROTECTION LAWS.

5. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 TransUnions refusal to remove fraudulent accounts despite receiving identity theft reports could be considered AIDING IN THE MISUSE of stolen personal information.

6. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 If TransUnion is working with a fraudulent debt collector to report these accounts, they are in violation of debt collection laws.

7. Dodd-Frank Wall Street Reform and Consumer Protection Act 12 U.S.C. 5301 This law grants the CFPB the authority to enforce consumer protection regulations and penalize TransUnion for noncompliance.

8. Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ) 15 U.S.C. 7001 If TransUnion is using electronic records to justify these accounts, they are REQUIRED to provide LEGALLY VERIFIABLE proof.

9. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 If these accounts were opened fraudulently, the financial institution reporting them ( or TransUnion ) is violating disclosure and fraud prevention regulations.

10. Racketeer Influenced and Corrupt Organizations Act ( RICO ) 18 U.S.C. 1962 If TransUnion is knowingly participating in fraudulent reporting practices, they could be in violation of RICO laws for engaging in a pattern of fraudulent activities.

11. Bank Fraud Statute 18 U.S.C. 1344 If these accounts were opened fraudulently and TransUnion continues to report them, this could be classified as bank fraud.

12. Wire Fraud Statute 18 U.S.C. 1343 If electronic systems were used to fraudulently report or validate these accounts, TransUnion may be violating federal wire fraud laws.

13. Deceptive Mail Prevention and Enforcement Act 39 U.S.C. 3001 If TransUnion sent me deceptive letters stating my disputes were invalid despite my evidence, they may be in violation of mail fraud laws.

14. Civil Rights Act, Section 1981 42 U.S.C. 1981 If TransUnions failure to remove this fraudulent information is discriminatory in nature, they may be violating my rights under federal law. 

Relief Requested : IMMEDIATE and PERMANENT REMOVAL of the fraudulent XXXX XXXX XXXX accounts from my TransUnion credit report. 
A FULL INVESTIGATION into TransUnions repeated violations of consumer protection laws. 
ENFORCEMENT ACTIONS against TransUnion for willful noncompliance and deceptive practices. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681c-2 : Block of Information Resulting from Identity Theft TransUnion is REQUIRED to block fraudulent accounts when provided with identity theft reports, which they failed to do.

1681e ( b ) : Accuracy of Reports TransUnion is REQUIRED to maintain accurate consumer reports, yet they continue to report fraudulent accounts without verification.

1681i ( a ) : Reinvestigation of Disputed Information TransUnion has FAILED to conduct reasonable investigations into my disputes and continues to reinsert fraudulent information.

1681s-2 ( a ) ( 1 ) : Duty of Furnishers to Report Accurate Information The companies that reported these accounts confirmed they were fraudulent, yet TransUnion refused to comply.

2. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) TransUnions pattern of removing negative information only to reinsert fraudulent data is deceptive and unfair.

3. Fair Trade Commission Act ( FTC Act ) 15 U.S.C. 45 Unfair and Deceptive Practices TransUnions refusal to permanently remove fraudulent information despite evidence from companies and data breach exposure is unlawful.

4. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 Criminalizes the misuse of stolen identity information, and TransUnions refusal to acknowledge identity theft reports enables fraud.

5. Dodd-Frank Wall Street Reform and Consumer Protection Act 12 U.S.C. 5301 Grants the CFPB enforcement power to penalize TransUnion for noncompliance with consumer protection laws.

6. Racketeer Influenced and Corrupt Organizations Act ( RICO ) 18 U.S.C. 1962 If TransUnion is knowingly engaging in a pattern of fraudulent reporting practices, this could be considered a form of racketeering.

7. Bank Fraud Statute 18 U.S.C. 1344 If fraudulent accounts are being reported to financial institutions, this could constitute bank fraud, which is a federal offense.

8. Wire Fraud Statute 18 U.S.C. 1343 If TransUnion used electronic communications to misrepresent or validate fraudulent accounts, this could constitute wire fraud.

9. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 Requires accurate disclosure of credit informationTransUnions refusal to correct fraudulent reports violates lending transparency requirements.

10. Illinois Consumer Fraud and Deceptive Business Practices Act 815 ILCS 505 Since I reside in Illinois, TransUnions refusal to permanently remove fraudulent accounts despite overwhelming proof violates state consumer protection laws. 

I expect the CFPB to take this matter SERIOUSLY, as I have provided MORE THAN ENOUGH EVIDENCE to prove my case. TRANSUNION MUST BE HELD ACCOUNTABLE.