Product: Credit reporting or other personal consumer reports

Internal Routing Code : CFPB Enforcement & Supervision Immediate Action Required ) Affected Accounts Subject to Immediate Federal Enforcement : XXXX  XXXX XXXX  Finance Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX FORMAL NOTICE OF STATUTORY NON-COMPLIANCE & SYSTEMIC VIOLATIONS REGULATORY ACTION REQUIRED Pursuant to 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act FCRA ), 12 U.S.C. 5511 ( CFPBs XXXX XXXX ), 12 U.S.C. 5564 ( CFPBs Authority to Initiate Civil and Criminal Proceedings ), and 12 U.S.C. 5565 ( c ) ( Civil Monetary Penalties ), I am submitting this formal legal demand for the immediate regulatory enforcement and penalization of TransUnion LLC for willful, systemic, and flagrant violations of federal law.

The CFPB is now on official notice that failure to execute its enforcement authority under 12 U.S.C. 5565 ( c ) constitutes regulatory negligence and dereliction of duty, subjecting the Bureau itself to external oversight investigations. 

VERIFIED STATUTORY VIOLATIONS REQUIRING IMMEDIATE CFPB INTERVENTION 1 Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Systemic Failure to Conduct Lawful Reinvestigations Failure to verify all Metro 2 compliance fields for these tradelines. 
Illegally relying on automated e-OSCAR dispute forwarding in place of an independent, substantive verification process. 
Failure to obtain and review original source documentation from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX. 

Each violation constitutes reckless non-compliance, triggering full financial liability under FCRA 1681n ( a ), making TransUnion eligible for statutory fines, punitive damages, and injunctive relief.

2 Violation of FCRA 1681e ( b ) Knowingly Reporting Inaccurate and Unverified Information Reporting unverifiable late payments and derogatory account statuses that fail Metro 2 integrity protocols. 
Knowingly maintaining materially false and incomplete account histories. 
Failing to remove accounts flagged for reinvestigation due to documented inconsistencies in the data furnishers records.

Pursuant to FCRA 1681n ( a ), this constitutes reckless and willful noncompliance, subjecting TransUnion to further legal action, fines, and regulatory sanctions.

3 Violation of FCRA 1681i ( a ) ( 5 ) ( A ) Unlawful Refusal to Delete Unverifiable Accounts XXXX XXXX XXXX  Finance Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX Each day these unverifiable accounts remain on file, TransUnion continues to violate federal law, compounding its liability under FCRA 1681n. 

DEMAND FOR IMMEDIATE CFPB ENFORCEMENT ACTION 1 Impose Maximum Civil Penalties Under 12 U.S.C. 5565 ( c ) 2 Mandatory Deletion of All Unverifiable Accounts per FCRA 1681i ( a ) ( 5 ) ( A ) 3 Initiate a Full CFPB Supervision & Examination Audit of TransUnion Under 12 U.S.C. 5514 ( c ) ( 3 ) 4 Issue a Public CFPB Enforcement Order & Press Release Confirming Investigation 5 Refer TransUnion to the Department of Justice ( DOJ ) for Willful FCRA Violations Under 15 U.S.C. 1681q 6 Ban TransUnion from Using Automated e-OSCAR Processing for Consumer Disputes XXXX Assign a High-Level CFPB Oversight Team to This Case to Ensure Compliance FINAL NOTICE OF LEGAL ESCALATION IF CFPB FAILS TO ACT BY XX/XX/year> If the CFPB fails to initiate enforcement action, I will take the following escalatory measures : File a formal complaint against the CFPB with the Federal Trade Commission ( FTC ) for regulatory negligence.

Submit a Congressional Oversight Request to the Senate Banking Committee under Dodd-Frank Act 1013 ( a ) ( 6 ).

File a Freedom of Information Act ( FOIA ) request to obtain CFPB internal communications regarding TransUnions FCRA noncompliance.

Request a DOJ investigation into TransUnion for potential violations of 18 U.S.C. 1001 ( false statements ). 
Coordinate with consumer protection attorneys to initiate a class-action lawsuit against TransUnion for systemic FCRA violations XXXX 

Furthermore, I am putting the CFPB on notice that failure to act will be cited as regulatory negligence in future litigation filings under the Administrative Procedure Act ( 5 U.S.C. 706 ).

DEMAND FOR INDIVIDUAL CONSUMER COMPENSATION In addition to enforcement penalties against TransUnion, I demand direct consumer redress under 12 U.S.C. 5565 ( a ) ( 2 ), including financial restitution for damages caused by the continued reporting of unverifiable information. 
I will provide documentation of financial harm upon request. 

DEMAND FOR CFPB XXXX XXXX XXXX XXXX XXXX Issue a Consumer Advisory Warning under 12 U.S.C. 5531 ( b ) about TransUnions violations.

Restrict TransUnion from relying on e-OSCAR for dispute resolutions.

Mandate CFPB oversight on all TransUnion Metro 2 compliance audits going forward. 

DEADLINE FOR CFPB RESPONSE : XX/XX/year> I demand a formal written response from the CFPB confirming enforcement action, NOT a referral to TransUnion. 

Failure to act will result in immediate congressional, regulatory, and legal escalation. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX