Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding Unverified Accounts and Consumer Rights Violations by TransUnion Dear Sir/Madam, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TransUnion 's ongoing verification of inaccurate and unverifiable accounts on my credit report. These incorrect entries have caused significant harm to my credit score and have violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other related consumer protection laws. 

Despite my efforts to dispute these inaccuracies directly with TransUnion, these unverifiable accounts have continued to appear as " verified '' and remain on my credit report. It is evident that TransUnion has failed to investigate the accuracy of these accounts properly and allowed collection agencies to report unverifiable debt. This failure constitutes a clear violation of my rights and is damaging to my credit profile. 

Details of the Violation I have disputed multiple entries on my credit report with TransUnion. However, in several instances, these entries were marked as " verified '' without providing any substantive proof or documentation from the collection agencies to validate the reported debts. This lack of verification and substantiation violates the obligations set forth by the FCRA, and the actions of TransUnion undermine my ability to maintain a fair and accurate credit report. 

Consumer Rights Violated The actions of TransUnion and the collection agencies reporting unverifiable accounts directly violate several consumer rights under federal law : 1. Failure to Verify Information ( FCRA Section 1681i ) The FCRA mandates that credit reporting agencies must investigate disputed information within 30 days. If the information can not be verified, it must be removed from the credit report. TransUnion 's failure to properly verify these accounts is a direct violation of this requirement.

2. Inaccurate Credit Reporting ( FCRA Section 1681e ( b ) ) The law requires that credit reports be maintained with accurate information. By verifying and reporting unverifiable accounts, TransUnion is in violation of this provision, which has resulted in substantial harm to my credit standing.

3. Failure to Provide Adequate Notice of Negative Information ( FCRA Section 1681c ) TransUnion is required to notify me of any negative information added to my report, but they have failed to provide adequate proof of validation for the disputed accounts, which remain on my report without proper substantiation.

4. Unlawful Debt Collection Practices ( FDCPA ) The FDCPA prohibits debt collectors from reporting unverified or unverifiable debts to credit reporting agencies. By allowing collection agencies to report unverifiable accounts, TransUnion is enabling illegal debt collection practices.

Consumer Rights and Legal Protections Under the FCRA and FDCPA, I am entitled to the following rights : Right to Dispute Information ( FCRA Section 1681i ) : I am entitled to dispute inaccurate or unverifiable information on my credit report. TransUnion is required to investigate the dispute and remove any unverifiable accounts within the legally mandated time frame.

Right to Request Documentation ( FCRA Section 1681e ( b ) ) : If an account is verified, I have the right to request detailed documentation, including proof of debt validation from the collection agency reporting the information.

Right to Seek Legal Action : If these rights are violated, I am entitled to pursue legal remedies under both the FCRA and FDCPA, including seeking statutory and actual damages for the harm caused by the inaccuracies.

Requested Resolution I request that the CFPB investigate this matter and intervene to ensure that TransUnion upholds its legal responsibilities under the FCRA and FDCPA. I seek the following resolution : 1. Immediate removal of all unverifiable accounts from my credit report.

2. A full investigation and deletion of these inaccuracies by removing accounts that violate any of my rights as a consumer by any and all laws created and enforsed for the consumer.

3 u. Confirmation from TransUnion that it will take steps to ensure compliance with consumer protection laws.

If this matter is not resolved promptly, I will seek further legal remedies, including filing a lawsuit under the FCRA and FDCPA, and will continue to pursue complaints through all available channels.

Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to address these violations and help resolve this situation fairly and swiftly. 

Sincerely, XXXX XXXX XXXX XXXX. Laws Under the Fair Credit Reporting Act ( FCRA ) : The FCRA outlines the following key provisions ( not exhaustive ) : Section 609 ( a ) ( 1 ) : The consumer has the right to obtain all information in their credit file.

Section 611 ( a ) ( 1 ) : If disputed, consumer reporting agencies must investigate any inaccuracies within 30 days.

Section 605 ( a ) : Consumer reporting agencies can not report negative information older than seven years or bankruptcies older than ten years.

Section 623 ( a ) : Furnishers of information ( creditors ) must provide accurate information to credit bureaus.

Section 605B : Victims of identity theft can request that fraudulent accounts be blocked. 


2. California Consumer Laws : California Civil Code 1785.25 ( a ) : It is unlawful for a person to furnish information to a credit reporting agency if they know or should know the information is inaccurate. 

California Civil Code 1785.16 : Consumers have the right to dispute errors, and credit bureaus must investigate disputes. 


3. Steps to Analyze Negative Accounts : For each negative account, I will : 1. List the account details.

2. Determine which FCRA and California laws are potentially violated.

3. Highlight any data that suggests non-compliance ( e.g., inaccuracies, outdated information, missing investigation after disputes ).

To analyze my report for violations of California Consumer Law and the Fair Credit Reporting Act ( FCRA ), I have broken down the inaccurate or unverifiable accounts with adverse information and cross-reference their reported details with the relevant laws. Here 's the organized data : Inaccurate Accounts and Violations XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Past Due : {$260.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Removal Date : XX/XX/XXXX Potential Violations : FCRA Section 609 ( a ) ( 1 ) : Failure to verify the accuracy of information following a dispute by the consumer.

FCRA Section 611 ( a ) ( 1 ) : Consumer reporting agency 's duty to investigate disputed information within 30 days. 





XXXX. XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : Automobile Club Balance : {$180.00} Past Due : {$180.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Removal Date : XX/XX/XXXX Violations : California Civil Code 1785.25 ( a ) : Furnisher knowingly providing inaccurate information to a credit bureau.

FCRA Section 623 ( a ) : Obligation of furnishers to ensure information supplied to bureaus is accurate. 


XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Details : Original Creditor : Progressive Insurance Balance : {$130.00} Past Due : {$130.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Removal Date : XX/XX/XXXX Potential Violations : FCRA Section 605 ( a ) : Reporting negative information older than 7 years is prohibited.

California Civil Code 1785.16 : Credit bureaus must process disputes and update or remove inaccurate data promptly. 


XXXX. XXXX XXXX XXXX  ( Account ending in XXXX ) Details : Original Balance : {$390.00} Pay Status : Charge-off Removal Date : XX/XX/XXXX Potential Violations : FCRA Section 623 ( a ) : Furnishers must provide complete and accurate information to consumer reporting agencies.

California Civil Code 1785.16 : Investigation of disputed errors must result in corrections or deletion. 


XXXX. XXXX XXXX ( Account ending in XXXX ) Details : Original Balance : {$220.00} Pay Status : Sold ; was Charged-off Remarks : " Purchased by another lender ; Paid in full/was a charge-off '' Removal Date : XXXX XXXX  Violations : FCRA Section 609 ( a ) ( 1 ) : Failure to provide proof of accuracy for disputed charge-offs.

California Civil Code 1785.25 ( a ) : Inaccurate reporting after the account was " Paid in full/was charged-off ''.

Check if the listed removal dates for negative accounts comply with the 7-year limit ( 10 years for bankruptcies ). 



Yes, my credit report shows instances of duplicate reporting, where the same account or debt is being reported by multiple entities. This typically occurs when an original creditor sells a debt to a collection agency, and both the original account and the collection account are listed on the report. Duplicate reporting can unfairly impact credit score. 

Heres an example from my report : Duplicate XXXX XXXX XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Past Due : {$260.00} Remarks : " Placed for Collection '' XXXX. XXXX XXXX ( Account ending in XXXX ) Balance : {$220.00} Pay Status : " Sold ; was Charged-off '' Remarks : " Purchased by another lender ; Paid in full/was a charge-off '' Potential Violations : FCRA Section 605 ( a ) : Reporting the same debt multiple times under different I Demand that both the original account and the collection account be removed imediately they both participated Laws where violated. As a result I've been denied credit at times when I needed it most. 





I identified instances of incomplete or inaccurate information about payments in this credit report. I listed details of these accounts and highlighted a few violations of the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Laws. 


Incomplete or Inaccurate Payment Reporting XXXX. XXXX XXXX XXXX  ( Account ending in XXXX ) Details : Pay Status : >Charge-off< Remarks : Payment history shows multiple months without reported payments, despite the account status. 

Balance : {$390.00} Date Closed : XX/XX/XXXX Potential Issues : Payment history lacks continuity ( e.g., no data for several months ). 

If payments were made but not reported, this violates FCRA Section 623 ( a ) : Furnishers must provide accurate and complete information. 



XXXX. XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : Automobile Club Balance : {$180.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Past Due : {$180.00} Potential Issues : Disputed but still unresolved or not marked as " investigated. '' Violates FCRA Section 611 ( a ) ( 1 ) : Consumer reporting agencies must investigate disputes and update records within 30 days. 



XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Details : Original Creditor : Progressive Insurance Balance : {$130.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Past Due : {$130.00} Potential Issues : Status shows no resolution of dispute, potentially violating California Civil Code 1785.16 ( requiring accurate updates after dispute resolution ). 



XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Past Due : {$260.00} Remarks : " Placed for Collection '' Potential Issues : If the account was disputed, it should show an update reflecting the dispute investigation 's outcome, as required by FCRA Section 623 ( b ).

This account is reported on the same report by two different agencies! 

XXXX. XXXX XXXX Account ending in XXXX ) Details : Pay Status : " Sold ; was Charged-off '' Remarks : " Purchased by another lender ; Paid in full/was a charge-off '' Balance : {$0.00} ( indicating it may have been paid off ). 


Potential Issues : Payment information is incomplete ( e.g., no record of payments leading to the " paid in full '' status ). 

Violates FCRA Section 623 ( a ) and California Civil Code 1785.25 ( a ) if payments were made but not reported. 






Yes, there are accounts on my credit report where the start dates ( date the account was opened ) are either missing or unclear. Accurate start dates are essential for determining the age of the account, which impacts credit scoring and compliance with the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Laws.

Accounts Missing Start Dates or Showing Incomplete Information XXXX. XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : Automobile Club Balance : {$180.00} This Balance amount does not reflect that of any of my records whatsoever but is coming back as verified and accurate. 
This strongly suggest that transunion is guilty of breaking laws. 
Could it be a conspiracy? 
Is it legal for two different agencies to report the same account on the same credit report? 
Is it legal for a collection agency to report an unverifiable account beyond the statute of limitations? 
Is it legal to report an account that does not have a start date? 
Is it legal for an a credit reporting agency to investigate a consumer 's dispute and conclude the avvount as verified and accurate whenever the account is unverifiable? 
And on and on it goes .... 

Missing Start Date : The report does not include the date the account was opened, only the date it was placed in collections ( XX/XX/XXXX ). 



XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Details : Original Creditor : Progressive Insurance Balance : {$130.00} Remarks : " Placed for Collection '' Missing Start Date : The report lacks the date when the original account was opened, only showing the collection placement date ( XX/XX/XXXX ). 



XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Details : Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Remarks : " Placed for Collection '' Incomplete Start Date : While the account shows a collection entry date, the original opening date with XXXX is not specified. 



XXXX. XXXX XXXX Account ending in XXXX ) Details : Balance : {$0.00} ( sold or paid ) Remarks : " Purchased by another lender '' Missing Start Date : The original date this account was opened is not listed, only its transfer/sale date. 


Relevant Laws Being Violated 1. FCRA Section 609 ( a ) ( 1 ) : " Every consumer reporting agency shall, upon request, clearly and accurately disclose to the consumer all information in the consumer 's file at the time of the request, including the sources of the information. '' 2. FCRA Section 623 ( a ) : " Furnishers of information must report complete and accurate information to consumer reporting agencies. '' 3. California Civil Code 1785.25 ( a ) : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' Why This Matters Missing start dates make it difficult to verify the validity of the account, including whether it is within the 7-year reporting limit for negative items under FCRA Section 605 ( a ).

Incomplete data can negatively impact my credit score and make it harder to dispute inaccurate or outdated entries. 



Based on the information provided in my credit report, it appears that several accounts are marked as " disputed by the consumer '' under the Fair Credit Reporting Act ( FCRA ), but there is no clear evidence that these disputes were thoroughly investigated or resolved. This lack of resolution may constitute violations of the FCRA. 


Accounts Marked as Disputed XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Details : Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Potential Issue : There is no indication that the dispute was resolved or that the account status was updated following an investigation. 



XXXX. XXXX XXXX ( Account ending in XXXX ) Details : Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Potential Issue : The account remains in collection status without evidence of investigation or resolution of the dispute. 



XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Details : Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Potential Issue : The status remains unchanged, suggesting the dispute may not have been investigated or resolved.

Relevant FCRA Laws 1. FCRA Section 611 ( a ) ( 1 ) : " If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item within 30 days. '' 2. FCRA Section 623 ( b ) ( 1 ) : " After receiving notice of a dispute with regard to the completeness or accuracy of any information provided to a consumer reporting agency, the furnisher of information shall : Conduct an investigation with respect to the disputed information ; Review all relevant information provided by the consumer reporting agency ; Report the results of the investigation to the consumer reporting agency. '' 3. California Civil Code 1785.16 ( a ) : " If the consumer credit reporting agency determines the dispute is frivolous or irrelevant, it shall notify the consumer, and upon request by the consumer, reinvestigate the matter. '' Signs of Non-Compliance 1. No Evidence of Investigation : Accounts remain marked as disputed but show no changes to their status, suggesting that no investigation was conducted within the required 30-day period. 


XXXX. No Updates After Disputes : Even after the I disputed the accuracy of these accounts, there are no updated remarks indicating the results of investigations or validations from the furnisher of information.

3. Failure to Communicate Results : There is no evidence that I was notified of the investigation results or provided with any updated information.

If the collection accounts listed on my credit report do not match my records and Im unable to verify the agencies, balances, or past-due amounts, this may violate my rights under the Fair Credit Reporting Act ( FCRA ) and California Consumer Credit Reporting Laws . Heres why : Potential Violations of my Rights 1. FCRA Section 609 ( a ) ( 1 ) : Right to Accurate Information Ihave the right to request complete and accurate information about every account reported, including : The name of the creditor or collection agency. 

The original balance, amount owed, and payment history. 

The date the account was opened and placed for collection. 


If the information provided on my credit report is incomplete, inaccurate, or unverifiable, it violates my rights under the FCRA. 

2. FCRA Section 611 ( a ) ( 1 ) : Right to Dispute Inaccuracies If the collection accounts do not match my records, I have the right to dispute the accuracy of the information. The credit bureau and collection agency must : Investigate within 30 days of receiving your dispute.

Provide verification of the debt, including the original creditor and all supporting documentation.

Delete the information if it can not be verified.

Failure to investigate or resolve a dispute violates the FCRA.

3. FCRA Section 623 ( a ) : Responsibilities of Information Furnishers Furnishers ( e.g., collection agencies ) are required to : Report accurate and complete information.

Investigate and correct disputed accounts promptly.

If the balances, past-due amounts, or creditor names are incorrect, it could violate this section.

4. California Civil Code 1785.25 ( a ) : " No person shall furnish information to a consumer credit reporting agency if they know or should know the information is inaccurate. '' If the collection agencies reported inaccurate or unverifiable information, they could be in violation of California law.

5. California Civil Code 1785.16 : Credit reporting agencies must : Investigate disputes within 30 days.

delete unverifiable or inaccurate information.

What This Means for me If the information on the collection accounts ( e.g., agency names, balances, dates, and past-due amounts ) can not be verified or does not match my records, those accounts should be removed from my credit report. Reporting unverifiable or inaccurate information harms my credit and violates my consumer rights.

Based on the details in my credit report, it appears that the collection accounts may be unverifiable for the following reasons : Issues with Verifiability in Collection Accounts XXXX. XXXX XXXX ( Account ending in XXXX ) Original Creditor : Automobile Club Balance : {$180.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Potential Verifiability Issues : The original creditor 's information is vague and may not provide sufficient details about the origin of the debt. 

Theres no supporting documentation ( e.g., account statements, contracts ) showing that I owe this amount. 



XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Original Creditor : Progressive Insurance Balance : {$130.00} Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Potential Verifiability Issues : Dispute status remains unresolved, and the agency hasnt provided evidence to validate the debt. 

Missing details on the original account ( e.g., date of delinquency, itemized charges ). 



XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Remarks : " Placed for Collection '' Potential Verifiability Issues : No documentation proving the debt was properly assigned or sold to XXXX XXXX XXXX. 

Original balance details and payment history are unclear. 



XXXX. XXXX XXXX Account ending in XXXX ) Pay Status : " Sold ; was Charged-off '' Balance : {$0.00} Remarks : " Purchased by another lender ; Paid in full/was a charge-off '' Potential Verifiability Issues : Duplicate reporting with XXXX XXXX XXXX suggests conflicting information. 

No proof showing the account transfer or resolution status. 



Indicators of Unverifiable Accounts 1. No Supporting Documentation : Collection agencies must provide clear documentation, such as contracts, account statements, or payment histories, to verify the debt. None of these details are present in my report.

2. Disputes Unresolved : If I have disputed these accounts and the agencies have not responded with adequate validation, they are unverifiable under the FCRA.

3. Conflicting or Missing Details : Original creditor names are unclear or vague. 

Balances and dates do not match my records.

Legal Framework for Verification 1. FCRA Section 611 ( a ) : Consumers Right to Dispute The credit bureau must investigate disputes within 30 days and remove unverifiable information. 



2. FCRA Section 623 ( b ) : Responsibilities of Furnishers Collection agencies must investigate disputes and provide validation to the credit bureau.

3. California Civil Code 1785.25 ( a ) Creditors or agencies can not knowingly report inaccurate or incomplete information.

Key Violations When an Account Is Wrongly Verified as Accurate 1. FCRA Section 611 ( a ) : Failure to Conduct a Reasonable Reinvestigation TransUnion is required to conduct a reasonable reinvestigation of disputed accounts within 30 days of receiving a dispute. 

If the account is wrongly verified as accurate, it indicates that : TransUnion failed to obtain sufficient evidence from the furnisher or creditor. 

They relied solely on the creditor 's response without validating the accuracy of the records. 



2. FCRA Section 623 ( b ) : Furnisher 's Failure to Properly Investigate Furnishers of information ( e.g., collection agencies or creditors ) must : Investigate disputes forwarded by the credit bureau.

delete, or verify the information based on an actual review of their records.

If the furnisher does not provide proper documentation to verify the debt but still reports it as accurate, it violates this section.

3. FCRA Section 609 ( a ) ( 1 ) : Failure to Provide Complete and Accurate Records If TransUnion fails to provide me with the supporting documentation or the original records upon request, this is a violation. 

Verified accounts must be substantiated with legitimate records ( e.g., contracts, statements, or proof of the debt ). 


4. California Civil Code 1785.16 : Duty to Delete Inaccurate Information California law requires credit reporting agencies to delete inaccurate or unverifiable information after a dispute.

If TransUnion verifies inaccurate accounts without proper documentation, it violates this law.

5. California Civil Code 1785.25 ( a ) : Reporting Incomplete or Inaccurate Information Furnishers ( e.g., collection agencies ) must not report incomplete or inaccurate information to credit bureaus.

If TransUnion relies on inaccurate information provided by the furnisher and verifies it, this creates liability for both TransUnion and the furnisher.

6. FCRA Section 605 ( a ) : Reporting Obsolete Information If the account includes outdated information ( e.g., a delinquency older than 7 years ), verifying it as accurate violates this section.

Why This Is Problematic Burden of Proof : The credit bureau can not simply accept the creditor 's response as verification. They must ensure the information is accurate and complete through independent analysis. 

Lack of Transparency : If they fail to provide documentation to back their verification, it indicates a failure to comply with FCRA and California law. 



Under FCRA Section 616 and 617, I may be entitled to damages for willful or negligent noncompliance. This includes statutory damages, actual damages, and legal fees. 




Since TransUnion can not produce adequate documentation, i request that the accounts be deleted all the negative accounts from my credit report, ive listed their account numbers ( partially masked ), and detailed how many times each was disputed and returned as verified by TransUnion. Below each account, I have outlined the consumer rights violations that occurred due to TransUnion 's improper verification. 



XXXX. XXXX XXXX ( Account ending in XXXX ) Dispute Count : At least once ( remarks show " Account information disputed by consumer '' ). 

Details : Original Creditor : Automobile Club Balance : {$180.00} Status : >Placed for Collection< Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Violations by TransUnion : 1. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ( 1 ) ) : TransUnion verified the account without confirming its accuracy through sufficient documentation.

No proof of the debt ( e.g., contracts, statements, or itemized charges ) was provided.

2. Failure to Provide Complete Information ( FCRA Section 609 ( a ) ( 1 ) ) : The report lacks critical details about the debt, such as the original account 's opening date and validation from the original creditor.

3. Reporting Incomplete or Inaccurate Information ( California Civil Code 1785.25 ( a ) ) : The collection agency reported information that does not match the consumers records, and TransUnion failed to correct it. 


XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) Dispute Count : At least once ( remarks show " Account information disputed by consumer '' ). 

Details : Original Creditor : Progressive Insurance Balance : {$130.00} Status : >Placed for Collection< Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Violations by TransUnion : 1. Failure to Investigate Disputes Properly ( FCRA Section 623 ( b ) ) : The collection agency provided no documented proof of the debt.

Verification relied on unverified data from the collection agency.

2. Failure to Remove Unverifiable Information ( FCRA Section 611 ( a ) ) : If XXXX  or XXXX XXXX XXXX failed to respond adequately to TransUnion, the account should have been deleted. 



XXXX. Violation of California Civil Code 1785.16 : TransUnion failed to provide a corrected or updated status after the dispute. 




XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Dispute Count : At least once ( remarks show " Account information disputed by consumer '' ). 

Details : Original Creditor : XXXX XXXX XXXX XXXX : {$260.00} Status : >Placed for Collection< Remarks : " Account information disputed by consumer ( FCRA ) ; Placed for Collection '' Violations by TransUnion : 1. Verification of Duplicate Reporting ( FCRA Section 623 ( a ) ) : This account is a duplicate of XXXX  listing, creating conflicting and inaccurate information. 

TransUnion should not verify two accounts for the same debt. 



XXXX. Failure to Verify the Debts Legitimacy ( FCRA Section 611 ( a ) ) : No documentation was provided to prove XXXX XXXX  authority to collect or the accuracy of the balance. 



XXXX. XXXX XXXX Account ending in XXXX ) Dispute Count : At least once ( indirectly connected to the XXXX XXXX dispute ). 

Details : Balance : {$0.00} Status : >Sold ; was Charged-off< Remarks : " Purchased by another lender ; Paid in full/was a charge-off '' Violations by TransUnion : 1. Failure to Prevent Duplicate Reporting ( FCRA Section 605 ( a ) ) : This account is tied to XXXX XXXX XXXX, creating a duplicate entry for the same debt. 

TransUnion failed to consolidate or remove duplicate information. 



XXXX. Inadequate Investigation ( FCRA Section 611 ( a ) ) : The sold and charged-off status conflicts with the active collection status reported by XXXX XXXX XXXX 




XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) Dispute Count : At least once ( remarks indicate prior disputes ). 

Details : Balance : {$390.00} Status : >Charge-off< Remarks : Payment history inconsistencies and gaps. 



Violations by TransUnion : 1. Failure to Validate Payment History ( FCRA Section 623 ( a ) ) : Payment history is incomplete or inconsistent, suggesting inaccuracies in reporting.

2. Failure to Provide Verification ( FCRA Section 609 ( a ) ) : If payment records were requested but not provided, this violates the FCRA.

Summary of Rights Violations 1. Inadequate Investigations : All accounts verified by TransUnion lacked proper validation ( FCRA Sections 611 ( a ) and 623 ( b ) ). 


XXXX. Duplicate Reporting : XXXX XXXX XXXX and WebBank/Freshstart are duplicate accounts, violating FCRA Section 605 ( a ).

3. Lack of Documentation : TransUnion failed to provide supporting records upon request, violating FCRA Section 609 ( a ).

4. Unverifiable Information : Collection agencies did not substantiate the debts but were still verified as accurate.

Under FCRA Sections 616 and 617, I may be entitled to statutory and actual damages for willful or negligent violations. 

I am writing to formally address a critical issue regarding my TransUnion credit report, which is causing severe harm to my life and livelihood. Currently, my TransUnion credit report is reflecting a credit