Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Repeated Violations of FCRA and Mishandling of Fraudulent Account Disputes Dear CFPB Team, I am submitting this formal complaint against TransUnion for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in relation to a fraudulent account reported by XXXX XXXX XXXX. Despite overwhelming evidence proving the accounts fraudulent nature, TransUnion has failed to permanently remove it from my credit report, causing ongoing harm to my financial stability.

Details of the Case : 1. Nature of the fraudulent account : XXXX XXXX XXXX is attempting to collect a debt related to an apartment rental I never signed or agreed to.

Their evidence includes a rental contract that : Does not include my Social Security Number ( SSN ). 
Contains a forged signature that does not match mine. 
Lists incorrect citizenship information, which does not reflect my legal status.

2. Evidence provided to TransUnion : I have submitted four ( 4 ) FTC Identity Theft Reports that explicitly prove the fraudulent nature of this account.

These documents include all necessary personal identifying information and details of the identity theft. 
3. TransUnions repeated failure to act : TransUnion has temporarily removed this account multiple times following my disputes but continues to reinstate it without valid justification. 
Both XXXX and XXXX have permanently removed this fraudulent account over a year ago, acknowledging its invalidity. 
In their latest response, TransUnion declined to block the account, citing vague and contradictory reasons, despite being provided with all required documentation. 

Violations of Federal Laws by TransUnion : 1. Section 605B ( Blocking of Fraudulent Information ) : TransUnion is required to block fraudulent information when provided with an FTC Identity Theft Report Their refusal to do so directly violates this provision.

2. Section 611 ( Dispute Process ) : TransUnions repeated failure to permanently remove this account demonstrates negligence and non-compliance with their obligation to ensure accurate reporting.

3. Section 623 ( Responsibilities of Furnishers ) : XXXX XXXX XXXX has failed to provide valid and verifiable evidence to support their claim. Despite this, TransUnion continues to report the fraudulent account.

Impact on Me : The fraudulent reporting of this account has caused : Significant damage to my credit score, impacting my ability to access credit on fair terms.

Emotional distress and financial harm, as I am forced to repeatedly dispute the same fraudulent account.

Unnecessary expenditure of time and resources in addressing an issue that should have been permanently resolved.

Demand for Immediate Action : I respectfully request that CFPB : 1. Investigate TransUnions mishandling of my disputes and their repeated failure to comply with the FCRA.

2. Mandate the permanent removal of this fraudulent account from my credit report. 
XXXX. Impose financial and legal penalties on TransUnion for their willful non-compliance with federal regulations. 

Legal Consequences for TransUnion : If TransUnion fails to take immediate action, I reserve the right to pursue legal remedies under the FCRA, including : Filing a lawsuit under Sections 616 and 617, seeking statutory damages of up to {$1000.00} per violation, punitive damages for willful non-compliance, and compensation for actual damages caused by their negligence.

Supporting Documentation : I am prepared to provide : Four ( 4 ) FTC Identity Theft Reports.

The invalid rental contract provided by XXXX XXXX XXXX, clearly demonstrating the forgery and inaccuracies.

TransUnions recent responses to my disputes, highlighting their failure to resolve the issue permanently.

Evidence of permanent removal by XXXX and XXXX. 

Conclusion : TransUnions handling of this matter demonstrates gross misconduct, negligence, and a blatant disregard for federal laws designed to protect consumers. I trust CFPB to hold them accountable and ensure that this fraudulent account is permanently removed from my credit report.