Product: Debt collection

I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted onXX/XX/2024. My dispute requested a manual reinvestigation of specific items on my credit report, and I explicitly objected to the use of automated processes, such as XXXX, to verify these disputed items. TransUnion has failed to respond within the 30-day legally mandated period, as required by the Fair Credit Reporting Act ( FCRA ). 

Summary of Disputed Items : Late Payments : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank , XXXX XXXX Bank , XXXX Financial XXXX XXXX XXXX XXXX XXXX and XXXX State Bank XXXX 
I requested direct verification of the reported late payments, with specific documentation from the original creditors. TransUnion has not responded or provided any verification. 
Unauthorized Hard Inquiries : Inquiries : XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX and others . 
These inquiries were made without my authorization. I requested removal of these inquiries unless verifiable proof of my consent could be provided, but TransUnion has not responded. 
Account Inaccuracies ( Charge-Offs ) : Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX Bank XXXX 
These accounts were inaccurately reported as charge-offs. I requested a manual investigation and correction of these inaccuracies, but TransUnion has not responded or corrected the errors. 
Collection Accounts : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
I disputed the accuracy of these collection accounts and requested detailed documentation showing how TransUnion verified the information with the original creditors. No response has been provided. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : TransUnion has not conducted a reasonable reinvestigation of the disputed items within the legally required 30-day period. This failure to reinvestigate constitutes a violation of FCRA Section 611 ( a ).

Failure to Provide Documentation ( FCRA Section 609 ( a ) ) : I explicitly requested documentation to support the accuracy of the disputed items, including original contracts, payment histories, and proof of identity. TransUnion has not provided this documentation, violating FCRA Section 609 ( a ).

Improper Use of Automated Systems : I requested a manual reinvestigation, as I objected to the use of automated systems like XXXX for verifying the disputed items. TransUnions failure to provide a manual review violates FCRA Section 611 ( a ). 

Failure to Correct Inaccurate Information : Despite my detailed dispute and request for corrections, TransUnion has not removed the incorrect information from my credit report, violating the FCRAs requirement to ensure the accuracy of consumer reports. 

Impact : The continued presence of inaccurate information on my credit report has caused : Emotional distress : The stress of unresolved inaccuracies has caused significant anxiety and frustration, negatively impacting my financial well-being. 
Financial harm : The inaccurate reporting of late payments, charge-offs, and unauthorized hard inquiries has lowered my credit score, resulting in credit denials and higher interest rates. 
Long-term financial impact : The unresolved inaccuracies are preventing me from accessing financial products on fair terms, continuing to harm my creditworthiness. 
Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, charge-offs, and unauthorized hard inquiries from my credit report. 
Provide detailed documentation showing how each disputed item was verified, including direct verification from the original creditors. 
Ensure all future responses and communications are sent via certified mail, as I explicitly requested in my dispute letter that electronic responses would not be accepted.