Product: Credit reporting or other personal consumer reports

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX XXXX. Introduction I am filing this formal complaint against TransUnion for failing to correct or remove multiple inaccurate accounts on my credit report, despite having issued XXXX separate dispute letters. These accounts contain inconsistencies, unverified data, and reporting errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). TransUnions refusal or failure to address these issues in a timely manner adversely impacts my creditworthiness and contravenes federal law. 

XXXX. Disputed Accounts & Reasons for Deletion Below are XXXX ( XXXX ) dispute letters I have sent, each detailing specific inaccuracies and requesting removal of erroneous information. Despite my efforts, TransUnion continues to report these accounts without proper investigation or correction. 

XXXX XXXX XXXX XXXX Account # XXXX Contradictory Status The account is listed as Closed, yet it simultaneously shows a past-due amount and a $ XXXX  monthly payment. 
This contradiction undermines the accuracy of my credit report. 
Inconsistent Date Information Date of first delinquency is reported before the date the account was allegedly opened. 
This chronological impossibility indicates false or misaligned data entry. 
Missing Critical Details No clear verification of debt ownership or chain of transfer. 
Essential payment history elements ( scheduled payment amount, date of last payment, etc. ) are not provided. 
Reason for Deletion : Because the account details are contradictory and unverifiable, it should be removed per FCRA Section 611 ( a ) and Section 623 ( a ). 

XXXX XXXX XXXX XXXX Account # XXXX Derogatory vs. OK Reporting The account is labeled Derogatory, yet recent monthly notations list it as OK, creating conflicting status information. 
Re-aging of Delinquency The date opened ( e.g., XX/XX/XXXX ) appears to fall after the first delinquency, resetting the XXXX reporting clock improperly. 
Inconsistent Balance & Payment Terms Monthly payment is reported as {$0.00}, while a significant past-due balance remains. 
Missing scheduled payment amount and adequate historical data. 
Reason for Deletion : The account features contradictory reporting and potentially illegal re-aging of delinquency, thereby necessitating its removal under FCRA Section 605 ( c ) and Section 623 ( a ). 

XXXX XXXX XXXX XXXX ( MIDLANDCRE ) Account # XXXX Contradictory Status Marked Derogatory but also listing OK for several recent months, creating an impossible credit profile snapshot. 
Inconsistent Dates The first delinquency date predates the official account opening date by several months. 
Incomplete Information No last payment date, no scheduled payment amount, and an unexplained XXXX XXXX  monthly payment with a {$940.00} past due. 
Reason for Deletion : The missing and contradictory information violates FCRA Sections 609 ( a ) ( 1 ) ( right to complete information ) and 623 ( a ) ( accuracy of furnished data ). 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Unauthorized or Fraudulent Account I have no record of opening this account or transacting with the original creditor ( XXXX ). 
Suggests possible identity theft or reporting error. 
Re-aged & Unverified Debt The accounts date opened ( XX/XX/XXXX ) does not align with any record of delinquency, potentially extending the reporting period illegally. 
Failure to Validate Ownership No documentation proving the debts ownership transfer from the original creditor. 
This omission contravenes FDCPA 15 U.S.C. 1692g and FCRA Section 609. 
Reason for Deletion : Because of unauthorized status, missing validation, and re-aging concerns, this account should be deleted immediately for noncompliance with FCRA and FDCPA standards. 

XXXX. FCRA Violations & Legal Basis FCRA Section 611 ( a ) Failure to Investigate TransUnion has not conducted a legitimate investigation within the XXXX window, nor provided any substantive response to verify or remove the disputed accounts. 
FCRA Section 623 ( a ) Accuracy & Integrity of Information TransUnion continues reporting contradictory, incomplete, or blatantly erroneous data provided by furnishers. 
FCRA Section 609 ( a ) ( 1 ) Right to Information Essential data ( payment histories, proof of debt ownership ) has not been furnished, hindering my ability to validate these accounts. 
FCRA Section 605 ( c ) Re-Aging Restrictions Negative tradelines must not be re-aged to extend the reporting period beyond XXXX years from the date of first delinquency. 
XXXX. Desired Resolution Immediate Deletion of Erroneous Accounts TransUnion must remove these XXXX disputed accountsXXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX to unreliability and lack of proper verification. 
Thorough Investigation & Documentation TransUnion should obtain and provide valid proof ( ownership chain, correct payment history, etc. ) for any remaining accounts. 
Updated Credit Report Once these erroneous accounts are removed, I request a new copy of my TransUnion credit report reflecting these changes. 
Compliance with FCRA TransUnion must adhere to FCRA guidelines, preventing re-aging of accounts and ensuring accurate, complete, and verifiable reporting. 
XXXX. Conclusion TransUnions continued failure to correct these serious discrepancies and properly investigate my disputes violates my consumer rights under the Fair Credit Reporting Act. I am asking the Consumer Financial Protection Bureau ( CFPB ) to investigate TransUnions noncompliance, ensure the inaccurate data is deleted, and compel TransUnion to maintain robust dispute procedures in alignment with federal law. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XXXX XXXX