Product: Credit reporting or other personal consumer reports

XXXX XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against XXXX, XXXX, and TransUnion Regarding FCRA Violations, Reporting Inconsistencies, and Procedural Failures Dear CFPB Representative, This formal complaint highlights the systemic failures, procedural violations, and blatant disregard for the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, and TransUnion. These practices have resulted in fabricated dispute outcomes, inconsistent reporting, and significant harm to my credit profile. The most recent developments in my disputes further reveal why these CRAs are facing regulatory scrutiny. 
As a victim of these practices, I request immediate regulatory enforcement and penalties against XXXX and TransUnion for their procedural violations and reporting failures, while commending XXXX for appropriately handling my dispute. Below, I outline the issues in detail : 1. Reporting Inconsistencies Across CRAs The discrepancies in how XXXX, XXXX, and TransUnion handle the same disputed accounts reveal systemic failures in their compliance with 15 U.S.C. 1681e ( b ), which requires CRAs to maintain maximum possible accuracy. 
XXXX : Recently removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX accounts without providing notice of dispute within five business days, as required under 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, I did not receive dispute results, yet the accounts are no longer on my report. Meanwhile, XXXX XXXX XXXX XXXXXXXX remain on my report, despite clear documentation of inaccuracies. 
TransUnion : Ignored my complaint entirely, providing no notice of dispute or investigation results as required under 15 U.S.C. 1681i ( a ) ( 6 ). All disputed accounts, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, continue to report inaccurately. Additionally, TransUnion is reporting an incorrect closing date of XX/XX/year> for the XXXX XXXX account, further demonstrating procedural failures. 
XXXX : Successfully removed the XXXXXXXX XXXX account and provided appropriate resolution, complying with its FCRA obligations. 
Question to CFPB : How can the same accounts be removed by one CRA but remain on the reports of others? These inconsistencies highlight not only failures in reinvestigations but also creditors inability to provide fair and accurate reporting under 15 U.S.C. 1681s-2. 


2. XXXX Procedural Violations XXXX failure to follow FCRA-mandated procedures is consistent with the allegations in CFPB XXXX XXXX ( Case No. XXXX ). Specifically : No Notice of Dispute : XXXX failed to notify me of the dispute process within five business days, violating 15 U.S.C. 1681i ( a ) ( 2 ).

No Results of Dispute : Despite removing two accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not provide dispute results as required under 15 U.S.C. 1681i ( a ) ( 6 ). 
Remaining Inaccuracies : The continued reporting of XXXX XXXXXXXX XXXX XXXXXXXX accountswhile other CRAs have removed similar accountsdemonstrates XXXX failure to ensure maximum accuracy. 
These actions mirror the claims in the CFPBs lawsuit, which highlights XXXX reliance on flawed dispute processes and automated systems like e-OSCAR, leading to inaccurate reporting and procedural violations. 
3. TransUnions Failure to Act TransUnions complete disregard for my complaint underscores its systemic violations of FCRA standards : No Response to Complaint : TransUnion failed to acknowledge or act upon my dispute, violating 15 U.S.C. 1681i ( a ), which requires CRAs to conduct a reasonable reinvestigation of disputed information. 
No Notice of Dispute : TransUnion did not notify me of the dispute process within five business days, a clear violation of 15 U.S.C. 1681i ( a ) ( 2 ).

Inaccurate Reporting : TransUnion continues to report incorrect information, including the false closing date of XX/XX/year> for the XXXX XXXX account, which is both misleading and damaging. 
4. Violations by Creditors Under 15 U.S.C. 1681s-2 The creditors involvedXXXXXXXX XXXX XXXX XXXX in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for furnishing inaccurate information and 15 U.S.C. 1681s-2 ( a ) ( 7 ) for failing to notify me within 30 days of reporting negative information. 
Despite clear documentation of inaccuracies, these creditors have failed to meet their statutory obligation to provide accurate and verifiable information to all CRAs. Their negligence has resulted in : Accounts removed by one CRA but inaccurately reported by others.

No proof of proper notification prior to reporting negative information, violating FCRA requirements.

5. Legal Violations and Relevant Precedent The systemic issues outlined above reflect ongoing practices highlighted in regulatory actions against these CRAs : CFPB XXXX XXXX ( Case No. XXXX ) : Demonstrates XXXX repeated failure to forward relevant dispute information, reliance on unreliable furnishers, and fabricated dispute outcomes. 
CFPB Consent Order AgainsXXXX XXXX ( 2025-CFPB-0002 ) XXXX Highlights XXXXXXXX flawed dispute processes and over-reliance on automated systems, similar to the failures demonstrated by TransUnion and XXXX. 
These precedents affirm the urgent need for regulatory enforcement against XXXX and TransUnion for their ongoing noncompliance with federal law. 
6. Demands for Regulatory Action I respectfully request that the CFPB take the following actions : 1. Investigate XXXX and TransUnion for procedural violations under 15 U.S.C. 1681i ( a ) ( 2 ), ( a ) ( 5 ), and ( a ) ( 6 ).

2. Enforce penalties against both CRAs and the creditors for their failure to comply with 15 U.S.C. 1681e ( b ) and 1681s-2 ( a ).

3. Require XXXX and TransUnion to : Provide written notice of disputes and results for all actions taken. 
Immediately remove inaccurate accounts, including XXXX XXXX XXXX XXXXXXXX. 
4. Investigate creditors ( XXXXXXXX XXXX XXXX XXXX ) for furnishing inaccurate information and failing to notify me of negative reporting. 
Conclusion The repeated violations by XXXX and TransUnion have caused significant financial and emotional harm. Their failure to follow FCRA-mandated procedures and ensure accurate reporting is unacceptable. XXXX compliance in removing disputed accounts demonstrates that corrective action is possible when CRAs follow federal guidelines.