Product: Credit reporting or other personal consumer reports

Details of the Issue This complaint builds on my prior submission, CFPB Case Number XXXX, filed on XX/XX/year>, against XXXX XXXX  XXXX XXXX XXXX ( XXXX ) for attempting to collect a fraudulent debt resulting from identity theft. Despite my providing substantial evidence of identity theft, including an affidavit and police report, XXXX and the credit reporting agencies ( CRAs : TransUnion, XXXX, and XXXX ) failed to resolve the issue in a compliant and timely manner. 

Following my initial complaint, XXXX falsely claimed that the debt matched my identity and that it had been validated. However, the fraudulent debt was subsequently removed from my TransUnion credit report on XX/XX/year>, as documented in the attached Credit Karma report. This removal directly contradicts ARIs response to the original complaint and demonstrates noncompliance with federal consumer protection laws. 

Key Issues and Violations XXXX. XXXX XXXX XXXX XXXXXXXX ( XXXX ) FDCPA 1692g ( b ) : Failure to Validate Debt XXXX failed to provide adequate validation of the debt after my formal request and continued to report it. Their claim that the debt matched my identity is directly contradicted by the accounts removal. 
FDCPA 1692e : Misleading Representations XXXX falsely represented that the debt was valid in their response to CFPB Case XXXX. 
FDCPA 1692f : Unfair Collection Practices XXXX unfairly pursued collection activities for a fraudulent debt resulting from identity theft, despite being notified of its fraudulent nature. 

XXXX Credit XXXX XXXX XXXX TransUnion XXXX XXXX, and XXXX XXXX FCRA XXXX : Failure to Block Fraudulent Information The XXXX failed to block the fraudulent account despite receiving valid identity theft documentation. 
FCRA 611 ( a ) : Failure to Conduct Reasonable Investigations My disputes were mishandled, with investigations lacking thoroughness and compliance with federal law. 
FCRA 1681e ( b ) : Inaccurate and Misleading Reporting CRAs reported inconsistent and inaccurate account information, including conflicting statuses such as Closed with a past-due balance. 

Evidence Supporting My Claims XXXX XXXX XXXX Report : Confirms the removal of the fraudulent account from my TransUnion credit report on XX/XX/year>. 
XXXX. Prior Complaint ( CFPB XXXX XXXX XXXX ) : XXXX falsely claimed validation of the debt in their response. 
XXXX. Identity Theft Documentation : Includes a police report ( File ID : XXXX ) and identity theft affidavit ( ID : XXXX ) submitted with my original complaint. 
4. CRA Dispute Records : Evidence of inadequate investigations and failure to correct inaccuracies. 

Harm Caused XXXX. Financial Harm : Denials of credit applications and higher borrowing costs due to a tarnished credit profile. 
XXXX. Emotional Distress : XXXX, stress, and frustration from prolonged mishandling of disputes.

3. Reputational Damage : Harm to my creditworthiness and reputation as a borrower.

Relevant Legal References 1. FDCPA Violations : 1692g ( b ) : Failure to validate the debt.

1692e : Misrepresentation of debt validity.

1692f : Unfair collection practices.

2. FCRA Violations : 605B : Failure to block fraudulent information.

611 ( a ) : Failure to conduct reasonable investigations.

1681e ( b ) : Reporting inaccurate and inconsistent information. 
XXXX. Case Law Supporting My Claims : XXXX XXXX. TransUnion XXXX : CRAs are responsible for ensuring accuracy and reasonable investigations. 
XXXX XXXX XXXX XXXX XXXX, XXXX : Emphasizes CRAs obligations under FCRA XXXX ( b ). 
XXXX XXXX XXXX : Reinforces strict liability under FDCPA for debt collectors violations.