Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number:XXXX Consumer Date of Birth:XXXX  Subject : Second Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, This letter serves as my second formal dispute regarding the inaccurate and misleading information contained in my credit report, as well as Transunion continued failure to comply with federal consumer protection laws. Despite my initial dispute letter XX/XX/XXXX, Transunion has either failed to respond adequately or has conducted an insufficient investigation, further violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

Your companys failure to address my dispute in a timely and lawful manner is unacceptable and demonstrates a pattern of negligence that has been highlighted by the Consumer Financial Protection Bureau ( CFPB ) in its enforcement actions against XXXX. I am now prepared to escalate this matter further if Transunion does not immediately rectify these issues. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below, I reiterate the federal laws under **15 U.S.C. ** that transunion is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section prohibits the inclusion of outdated and inaccurate information in consumer credit reports. Transunion failure to remove or correct such information continues to harm my creditworthiness.

2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

Transunion inadequate investigation of my dispute demonstrates a blatant disregard for this legal obligation.

3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 
XXXX failure to properly investigate my dispute is a clear violation of this law. 
# # # **Demands** I demand that Transunion : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham or inadequate investigations.

# # # **Notice of Intent to Escalate** If XXXX fails to comply with these demands within **15 days** of receiving this letter, I will take the following actions : 1. File a formal complaint with the CFPB, and the XXXX  2. Pursue legal action against Transunion for violations of the FCRA, including seeking statutory damages, actual damages, and attorneys fees.

3. Report transunions noncompliance to relevant state and federal regulatory agencies.

This is your final opportunity to resolve this matter before I escalate it further. I expect Transunion to uphold its legal obligations and protect my rights as a consumer. 
Sincerely, XXXX XXXX