Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Unit # XXXX XXXX, FL XXXX Email : XXXX SSN : XXXX Florida ID : XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX : Resident Research, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : Formal Complaint Regarding Erroneous Reporting Practices by Resident Research and TransUnion Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding the reporting practices of Resident Research, XXXX and TransUnion, which have caused significant harm to my creditworthiness and ability to secure housing. XXXX XXXX, XXXX claims to base its reports on data provided by TransUnion ; however, the data is riddled with inaccuracies, merged profiles, and defective information that violate federal standards under the Fair Credit Reporting Act ( FCRA ). 

The errors in these reports are egregious and highlight systemic failures by both XXXX XXXX and TransUnion to verify and ensure the accuracy of consumer data before reporting it to third parties. 

Summary of Issues Merged Credit Profiles : My credit profile has been improperly merged with that of XXXX XXXX XXXX, whose records include addresses in Texas, Florida, North Carolina, Virginia, Indiana, and Chicago. 
This error has resulted in derogatory accounts, liens, and other adverse data being attributed to me, including the freezing of my XXXX XXXX XXXX XXXX account due to a lien associated with " XXXX XXXX. XXXX. '' Defamation from Erroneous Florida ID Photo : Resident Research listed a Florida ID photo of me in regular clothing as a criminal mugshot tied to a " FL XXXX Supervised '' record. Upon investigation, no such record exists in the XXXX XXXX XXXX XXXX XXXXatabase. This inaccurate and defamatory reporting has harmed my reputation. 
Misrepresentation of Legal Cases : A felony case listed in the report as an " active charge '' is actually tied to a wrongful conviction. The current case status involves a pending vacation of conviction, with probation terminated in XXXX and new evidence discovered in XXXX. 
XXXX XXXX failure to update this information misrepresents the facts and defames my character. 
Incorrect Eviction Reporting : XXXX XXXX reported a non-monetary eviction related to a fraudulent lease where the property owner had been deceased for over 20 years. This judgment was vacated, but XXXX XXXX continues to report it inaccurately. 
XXXX XXXX XXXX XXXX XXXX : A trade line reported as opened on XX/XX/XXXX does not exist. My most recent account, excluding rent reporting, is over XXXX years old. 
ID Mismatch and TransUnions Errors : TransUnion has flagged my file with an ID Mismatch Alert, highlighting systemic issues with merged profiles and erroneous data. This has prevented me from verifying my identity through services like XXXX and has significantly impacted my ability to secure housing. 
Arbitrary and Irrelevant Decline Codes : XXXX XXXX routinely uses irrelevant decline codes, such as " lack of sufficient real estate data, '' to justify adverse actions. There is no legal requirement for consumers to have real estate data, making this a misleading and arbitrary basis for denials. 
Violations of FCRA and Consumer Rights These practices violate the following provisions of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Obligation to maintain maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX : Obligation to reinvestigate and correct disputed information. 
XXXX XXXX XXXX XXXX XXXX  : Requirement to ensure adverse action notices are based on accurate and complete information. 
These violations have caused : Defamation of character through inaccurate criminal and eviction records. 
Denials of housing applications and lost financial opportunities. 
Significant emotional and financial distress due to the inability to correct these issues. 
Historical Issues with XXXX XXXX and TransUnion XXXX XXXX and TransUnion have faced legal action for similar practices : Civil Action No. XXXX : This lawsuit highlighted XXXX XXXX reliance on partial court data sweeps without verifying final case outcomes, causing wrongful denials of housing applications. 
XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) : This class action lawsuit underscored systemic issues with Resident XXXX data collection and reporting practices. Plaintiffs included XXXX XXXX and other similarly situated consumers, though many affected individuals remain unaccounted for due to XXXX XXXX failure to release files. 
Impact on Property Managers Property managers relying on these defective reports unknowingly deny qualified applicants and incur financial losses due to prolonged vacancies. XXXX XXXX reporting practices are not only harmful to consumers but also detrimental to property management companies and their investors. 

Formal Complaint and Demands I am requesting the Consumer Financial Protection Bureau to investigate and take corrective action against XXXX XXXX, XXXX, and TransUnion for : Their failure to comply with FCRA standards. 
Their continued reliance on inaccurate data sweeps and misleading reporting practices. 
The harm caused to consumers like myself through defamation, financial loss, and emotional distress. 
I demand the following immediate actions : Removal of all inaccurate data from my records, including : Merged data tied to " XXXX XXXX. XXXX. '' Erroneous eviction and criminal records. 
Inaccurate trade lines and charge-offs. 
Confirmation of corrections in writing. 
Implementation of stricter procedures to ensure data accuracy and compliance with FCRA. 
Closing These issues are not isolated incidents but reflect systemic failures by XXXX XXXX and TransUnion to adhere to federal laws governing consumer reporting. I trust the Consumer Financial Protection Bureau will address these violations and protect consumers from further harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Unit # XXXX XXXX, FL XXXX Email : XXXX XXXX