Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Failure to Conduct Proper Investigation Date : XX/XX/year> To Whom It May Concern, I am writing to formally file a complaint regarding TransUnions inaccurate reporting of information on my credit report and the failure to properly re-investigate a disputed account with account number XXXX. Specifically, this complaint pertains to an account associated with XXXX XXXX, which TransUnion reported as inaccurately verified during the investigation that was concluded on XX/XX/year>. 

Despite the completion of the investigation, TransUnion has erroneously updated the account information on my credit report to reflect that this is an OPEN ACCOUNT with the original creditor listed as XXXX XXXX. I would like to clarify that I have never owed any debt to XXXX XXXX, and this modification is both inaccurate and misleading. 

Furthermore, I would like to bring to your attention that the re-investigation process took a total of 37 days to complete, which is a clear violation of the timeline set forth by the Fair Credit Reporting Act ( FCRA ). According to the FCRA, specificall

y 15 USC 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to complete a reinvestigation of disputed information within 30 days. The additional 7 days taken by TransUnion exceeds the statutory limit, further compounding the violation of my consumer rights and creating unnecessary delays in the resolution of my dispute. TransUnion claims to have verified this account, yet the information reported is demonstrably incorrect. I have reason to
believe that TransUnion either failed to reinvestigate my dispute properly or conducted a negligent investigation. As a result, I believe this account was never thoroughly verified as claimed. This error is causing significant harm to my credit profile and overall credit score, and I am requesting immediate correction.

TransUnion has consistently ignored my requests for an explanation regarding how this account was allegedly verified. I requested detailed information about the steps taken to verify this account. Specifically, I requested answers to the following questions : 1. ) Who did TransUnion communicate with at the creditors office during the investigation? 

2. ) How was the verification information sent to the creditor? Was it mailed or faxed?

3. ) Did TransUnion use the same contact information ( e.g., mailing address, telephone number for the creditor as listed on my credit report?

4. ) What specific steps did TransUnion take to ensure that the creditor actually investigated my dispute rather than fraudulently claiming that the account was verified?

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 6 ) ( B ) ( 7 ), I am entitled to a description of the procedure used to verify this information. As such, I expect a specific, detailed response within the statutory timeline. A generic or automated response will not be acceptable. I asked for the following specifics : 1. The full name of the individual or representative with whom TransUnion communicated, either by phone or electronically, regarding this verification.

2. Copies or details of any documentation or correspondence exchanged between TransUnion and the creditor related to this dispute.

3. Any reference numbers or identifiers for the communication with the creditor or their verification process. 

Please note that I am not seeking a generic response form or a vague explanation of the verification process ; I require a comprehensive and detailed account of how my dispute was handled, including the specifics of the investigation. 

I allege that Transunion has not conducted a proper investigation and should be held accountable by the CFPB. I request that this issue be addressed promptly and that the erroneous account information be corrected immediately. I would appreciate written confirmation of the actions taken to resolve this issue, as well as an updated credit report reflecting the accurate information. 

Thank you for your attention to this matter. I look forward to your swift and detailed response.