Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) [ Address ] Subject : Formal Complaint Against TransUnion for Violation of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), including the misrepresentation and reporting of inaccurate information on my credit report. This letter will outline the specific issues with my report, cite relevant FCRA provisions, and request immediate corrective actions to address these violations. 

Issue at Hand The inaccuracies pertain to an account with XXXX XXXX XXXX XXXX ( Account Number XXXX ). On my TransUnion report ( Report Number XXXX, Date Generated XX/XX/XXXX ), the account is noted as " charged off. '' However, the report simultaneously reflects that a credit limit remains available on this charged-off account. This is inconsistent with the accounts treatment as charged off and conflicts with information reported by other credit agencies. 

I previously disputed this account with TransUnion, requesting its deletion due to these inaccuracies and inconsistencies. However, TransUnion stated the disputed item was verified without providing adequate documentation to substantiate this validation. I contend that the continued reporting of this account as it stands constitutes a misrepresentation and violates my rights under the FCRA. 

Relevant FCRA Provisions and Obligations Under the Fair Credit Reporting Act, consumer reporting agencies like TransUnion are obligated to : Ensure Maximum Possible Accuracy : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Correct or Delete Inaccurate, Incomplete, or Unverifiable Information : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a dispute from a consumer, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. If the information is found to be inaccurate, incomplete, or can not be verified, it must be corrected or deleted within 30 days.

Avoid Misrepresentation or Deceptive Practices : 15 U.S.C. 1681s-2 ( b ) : Furnishers of information must provide accurate information to consumer reporting agencies and promptly update any inaccurate or incomplete information.

Provide Documentation for Verification : If TransUnion asserts that the disputed item is verified, it must provide the documentation relied upon for verification under the FCRA. Failure to do so violates the transparency and accuracy requirements of the FCRA. 
Request for Documentation and Correction In light of the above provisions, I request the following : Immediate removal of the XXXX XXXX XXXX XXXX account ( Account Number XXXX ) from my credit report due to its inaccurate and misleading representation. 

If TransUnion continues to assert that the information is valid : Provide the specific documentation used to validate the accuracy of the account. 
Provide the name and employee identification number of the individual ( s ) who validated the account. 
Explicitly confirm that the verification was not conducted solely through an E-Oscar review. 
Acknowledgment that the continued reporting of this inaccurate information constitutes misrepresentation, which violates both the FCRA and my rights as a consumer. 

Supporting Case Law and Precedents Several cases have demonstrated the liability of credit agencies for misrepresentation and inaccurate reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX was found liable for failing to ensure accurate reporting and for failing to correct inaccuracies even after consumer disputes. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : TransUnion was held liable for inaccurately placing consumers on a terrorism watchlist without proper verification, highlighting the importance of accurate and non-misleading reporting. 

Legal Recourse If TransUnion fails to provide the requested documentation or correct the inaccuracies, I will consider pursuing legal remedies for their violations of the FCRA. This includes, but is not limited to, filing a lawsuit for damages caused by their misrepresentation and failure to correct or delete inaccurate information as required by law. 

Conclusion I demand immediate corrective action to address these violations. If no resolution is reached promptly, I will escalate this matter further through legal channels and regulatory complaints. 

Thank you for your attention to this matter. I expect a response within the statutory time frame. 

Sincerely, XXXX XXXX