Product: Credit reporting or other personal consumer reports

TransUnions Willful Violations of the FCRA and Fraudulent Credit Reporting Complaint Summary : I am submitting a formal complaint against TransUnion for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ). These violations include fraudulent re-aging of a charge-off, false charge-off reporting, failure to investigate disputes, and misreporting past-due balances. TransUnions actions have caused significant damage to my credit standing, leading to financial harm and emotional distress.

Despite submitting formal disputes, TransUnion has failed to correct these violations, demonstrating a reckless disregard for federal compliance standards. If this matter is not addressed immediately, I will escalate to legal action.

3. Legal Violations Committed by TransUnion : 1. Fraudulent Re-Aging of a Charge-Off to Extend Its Negative Impact ( Violation of 15 U.S.C. 1681e ( b ) ) TransUnion has illegally altered the last reported date on a charge-off account, making it appear more recent than it actually is.

This practice is prohibited under the FCRA as it artificially extends the impact of negative information on my credit report.

2. False Charge-Off Balances & Misreporting of Debt ( Violation of 15 U.S.C. 1681s-2 ( b ) ) TransUnion is reporting a past due balance on a charged-off account ( XXXX XXXX, XXXX ), which is legally prohibited. 
Once an account is charged off, no past-due balance should be reported. This misrepresentation is deceptive and unlawful. 

XXXX. Failure to Investigate and Correct Disputed Information ( Violation of 15 U.S.C. 1681i ( a ) ) I formally disputed these errors, yet TransUnion failed to verify or correct the false charge-off reporting within the legally required 30-day period.

Under the FCRA, if an account can not be verified, it must be removed. TransUnion has refused to comply, demonstrating clear noncompliance with federal law.

4. Ongoing Credit Damage and Harm to My Financial Standing ( Violation of 15 U.S.C. 1681n ( a ) and 1681o ) Due to TransUnions fraudulent reporting, I have experienced : Denials of credit opportunities Higher interest rates on financial products Negative financial consequences, including lost economic opportunities Emotional distress due to the ongoing impact on my creditworthiness TransUnions reckless disregard for accuracy and refusal to correct the errors has resulted in clear financial and reputational harm.

4. Resolution Requested : I am demanding immediate corrective action and full compliance with federal law. My requests are as follows : Immediate deletion or correction of the fraudulent charge-off reporting Correction of the illegal re-aging of accounts and removal of false past-due balances Permanent deletion of unverifiable information as required under the FCRA Compensation for damages under 15 U.S.C. 1681n ( a ) {$1000.00} per violation, plus additional punitive damages for willful noncompliance A full regulatory investigation into TransUnions widespread violations of consumer protection laws I have attached documented evidence from my credit report proving these violations and expect a swift resolution. If TransUnion fails to address these issues immediately, I will pursue legal action to seek full damages.