Product: Credit reporting or other personal consumer reports

This is a final demand for immediate compliance with the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines, specifically in relation to TransUnion, Experian, and Equifaxs continued refusal to adhere to my legally valid FTC Identity Theft Report and failure to remove inaccurate accounts from my credit report. All three agencies have consistently ignored my disputes, failed to comply with the FCRA, and willfully obstructed my consumer rights. Due to their negligence, I am demanding immediate monetary relief for the harm caused to my creditworthiness, financial opportunities, and emotional distress. 

For the past three years, I have disputed multiple inaccurate, unauthorized, and fraudulent accounts on my credit report. Despite providing substantial documentation, including my FTC Identity Theft Report, certified disputes, and previous CFPB filings, TransUnion, Experian, and Equifax have continued to ignore their legal obligations under the FCRA. This ongoing pattern of negligence is unacceptable and must be addressed immediately. 

Violations Committed by TransUnion & Experian : Failure to Adhere to My FTC Identity Theft Report FCRA 605B mandates that consumer reporting agencies must block fraudulent information when an FTC Identity Theft Report is submitted. TransUnion and Experian have refused to comply and continue to demand unnecessary documentation despite receiving a legally sufficient FTC Report. Equifax has properly followed the law, and TransUnion and Experian must do the same. 

Failure to Remove XXXX XXXX XXXX Equifaxs Deletion Equifax has already removed XXXX XXXX, proving that the account was not validated and lacked sufficient proof. TransUnion and XXXX must immediately delete this account, as they have failed to conduct a legitimate investigation under FCRA 1681i ( a ) ( 1 ) ( A ). 

Reinsertion of Previously Deleted Accounts Without Notification FCRA 1681i ( a ) ( 5 ) ( B ) requires that TransUnion and Experian notify me within five days if they reinsert a previously deleted account. TransUnion has violated this law by deleting and then reinserting XXXX XXXX XXXX XXXX after I had already disputed and received removal. 

Failure to Provide a Reasonable Investigation FCRA 1681i ( a ) ( 1 ) ( A ) requires a thorough reinvestigation of disputed items. Instead, TransUnion falsely claims to have verified XXXX XXXX XXXX XXXX without providing the proper documentation, such as a purchase agreement or assignment contract proving ownership of the debt. 

I have issued a cease and desist to XXXX XXXX XXXX XXXX, yet they continue attempting to collect on this unverified debt. 

TransUnion has not provided the details of its alleged investigation, including : The name of the individual contacted at the furnisher. 

The date, time, and duration of the verification call. 

Any signed documentation proving I am responsible for this debt. 

I demand full procedural details or immediate deletion of this collection account. 

Failure to Remove XXXX XXXX ( Experian Only ) The XXXX XXXX account was included in my FTC Identity Theft Report as fraudulent, yet Experian continues to report it. This account must be removed immediately, as Experian has failed to comply with the FCRA and the guidelines set forth under Section 605B.

Failure to Maintain Accurate Personal Information ( TransUnion & Experian ) TransUnion has failed to remove my outdated address, despite my current address being XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX as reflected on my drivers license. 

XXXX refuses to remove a XXXX XXXX XXXX despite multiple disputes, certified letters, and calls where their own representatives explicitly stated that they do not correct addresses. 

Experian falsely claimed that the XXXX XXXX is attached to XXXX XXXX, which is inaccurate, as XXXX XXXX is listed on my FTC Identity Theft Report and was already removed by Equifax.

All calls are recorded, and multiple representatives at Experian confirmed that they do not follow proper procedures in removing incorrect addresses. This is a direct violation of FCRA 1681c ( a ) ( 4 ), which requires accurate reporting of consumer personal information.

My full legal name must be listed exactly as it appears on my drivers licenseno variations, abbreviations, or middle initials alone. Experian has previously mixed up my credit file with my mothers due to name similarities, and I have been disputing this issue for years. 

Late Payment Errors That Must Be Corrected XXXX XXXX XXXX ( All Three Bureaus Must Correct Late Payment Errors ) The reported late payments in XXXX, XXXX, and XXXX are incorrect. XXXX XXXX XXXX has confirmed that they did not report these as late. These errors must be removed immediately. 

XXXX XXXX XXXX XXXX TransUnion & Experian Must Correct ) Incorrectly reporting a missed payment for XX/XX/XXXX. All loans are in deferment or forbearance, and Equifax has already corrected this error. TransUnion and Experian must follow suit. 

XXXXXXXX XXXX XXXX  XXXX Equifax Corrected TransUnion & Experian Must Follow Suit ) Equifax has corrected and updated this account as current with no late payments. TransUnion and Experian must immediately update their reporting to reflect this. 

XXXXXXXX XXXX ( Equifax Corrected TransUnion & Experian Must Follow Suit ) Equifax has already corrected the reporting status to current with no late payments, confirming that there was no valid reason for the late payment reporting. TransUnion and Experian must follow suit immediately. 

XXXX XXXX ( All Three Bureaus Must Correct Late Payment Errors ) I contacted XXXX XXXXXXXX on XX/XX/XXXX, and they confirmed they did not report any late payments. The incorrect late payment reporting must be removed immediately. 

CFPB Lawsuit & Credit Score Suppression I am fully aware that the CFPB is currently suing both Equifax and Experian for their failure to conduct proper investigations and continued violations of consumer rights. My experience over the last three years proves why they are being sued.

These agencies have also been manipulating my credit score by falsely suppressing it through repeated reinsertions and removals of negative accountsa tactic that has artificially deflated my credit scorXXXX and prevented it from accurately reflecting my creditworthiness. Due to these illegal practices, my score must be immediately restored to at least XXXX. 

Final Demands : Immediate and permanent deletion of all disputed accounts and unauthorized inquiries. 

Immediate correction of my credit score to reflect accurate reporting and to remove the damage caused by these errors. I demand my score be restored to at least XXXX. 

Monetary relief for three years of negligence and consumer rights violations under FCRA 1681n ( willful noncompliance ).

Full disclosure of the dispute process used for each reinvestigation, including the names and contact details of the entities allegedly verifying these accounts. 

A detailed breakdown of all monetary damages owed to me as per FCRA violations, including statutory damages of {$1000.00} per inaccurate item reported on my file. 

This is FINAL NOTICE. I expect my credit file to be corrected immediately, my monetary relief to be issued, and a detailed breakdown of all actions taken to remedy these violations to be sent in writing.