Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, submit this formal complaint against XXXX, TransUnion, and Experian for their continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting.

Background & Violations My credit reports contain numerous fraudulent accounts and unauthorized inquiries that the Bureaus have repeatedly failed to investigate and correct despite multiple disputes and supporting documentation. I previously sent a certified dispute letter to TransUnion demanding full verification and investigation details under the FCRA. In that correspondence, I requested : Copies of All Signed Contracts or Agreements The original contract bearing my signature used to open each account.

If no such contract exists, the account must be deleted immediately per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Full Investigation Report and Supporting Documents A detailed description of the reinvestigation conducted, including the names, dates, and methods of communication with the furnisher of the information.

Proof of Permissible Purpose Evidence that the furnisher had a legitimate purpose to obtain and report my information.

If such proof does not exist, the account must be removed immediately.

Chain of Custody of the Debt ( if applicable ) Documentation showing the chain of title from the original creditor to any subsequent collectors or debt buyers.

Despite these clear requestsand the statutory rights afforded to me under 15 U.S.C. 1681i, 1681e, and 1681gI have not received any adequate response or documentation. This failure constitutes not only noncompliance with the FCRA but also places me at significant financial and personal risk.

Furthermore, my dispute letter to TransUnion referenced the following creditor and account information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have been repeatedly verified by the Bureaus without the proper substantiation required by law.

Additional Federal Violations The Bureaus actions not only breach the FCRA but also violate provisions designed to protect consumers from deceptive debt collection practices, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debtincluding original contracts and signaturesupon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings.

Additionally, I have identified a separate collection account characterized by balance discrepancies, open date variations, and a lack of proper validation across the credit bureaus. This account further violates : 15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting.

15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation.

15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide requested verification details, including contracts and signatures.

Related Lawsuits & CFPB Actions Recent enforcement actions by the CFPB reinforce the seriousness of these issues : Experian  Lawsuit ( XX/XX/XXXX ) : The CFPB filed suit against Experian for failing to properly investigate consumer disputes regarding credit report inaccuracies, leading to erroneous information impacting consumers credit, employment, and housing access. 
TransUnion Settlement ( XX/XX/XXXX ) : The CFPB, along with the FTC, secured a {$15.00} XXXX settlement with TransUnion ( and its subsidiary TransUnion Rental Screening Solutions , Inc. ) for inaccuracies in tenant screening reports, resulting in restitution and significant civil penalties. 
XXXX XXXX ( XX/XX/XXXX ) : The CFPB initiated a major lawsuit against XXXX for repeated FCRA violations and deceptive practices in handling consumer disputes, which included failing to correct disputed inaccuracies and reinserting previously deleted data without proper notification. 
These actions underscore the CFPBs commitment to enforcing consumer protection laws against credit reporting agencies that fail to adhere to statutory mandates. 

Demands for Resolution In light of the repeated failures and violations described above, I respectfully request that the CFPB take the following actions immediately : Immediate Removal and Blockage Order the removal and blockage of all fraudulent accounts and unauthorized inquiries from my credit file across XXXX, TransUnion, and Experian. 
Prevent the reinsertion of these accounts without proper validation, as required under XXXX5 U.S.C. 1692g ( b ).

Written Confirmation Require written confirmation of the removal of these accounts and inquiries, accompanied by updated copies of my credit reports reflecting these corrections.

Thorough Investigation Mandate a full investigation into how these fraudulent accounts and unauthorized inquiries were recorded without my consent.

Ensure that the investigation includes the collection of all relevant verification details ( e.g., signed contracts, original documentation, and chain of custody for debt ).

Compliance with Identity Theft Protections Ensure that the Bureaus implement fraud alerts and provide me with comprehensive identity theft resources as mandated under 15 U.S.C. 1681g ( e ).

Conclusion The continuous noncompliance by XXXX, TransUnion, and Experian has inflicted significant financial harm and distress upon me. The unauthorized reinsertion of fraudulent accounts without proper validation represents a blatant disregard for my rights as a consumer and for federal law. Given the CFPBs history of successful enforcement actions against similar misconduct, I urge your agency to intervene immediately to secure compliance with federal statutes and to provide appropriate remedies for these willful and negligent violations. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX