Product: Credit reporting or other personal consumer reports

Subject : Demand for New Complaint Acceptance Fraudulent Reporting and Violations Involving XXXX XXXX XXXX, TransUnion, and XXXX Complaint Details : Product : Credit reporting or other personal consumer reports Issue : Incorrect information on your report Your Complaint : Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this new complaint against XXXX XXXX XXXX, TransUnion, and XXXX due to their continued failure to remove fraudulent information from my credit report. This complaint follows my earlier submissions filed on XX/XX/XXXX ( Case Number : XXXX ) and XX/XX/XXXX ( Case Number : XXXX ), but this complaint is NOT a duplicate. I respectfully demand that this complaint be treated as a new filing due to new evidence, new legal violations, and the involvement of new parties ( TransUnion and XXXX ) that were not included in my previous complaints. 

This new complaint is not a duplicate of my prior complaints because it reflects the escalation of unresolved issues, the involvement of new parties in the fraudulent reporting ( TransUnion and XXXX ), and additional damages that were not part of my earlier complaints. As the situation continues to worsen, I am demanding that the CFPB accept this as a separate complaint and proceed with immediate action. 

Key Points of Distinction : New Parties Involved : The XX/XX/XXXX complaint includes TransUnion and XXXX, which were not involved in previous complaints. Both of these credit bureaus have failed to remove fraudulent information from my credit report, despite my repeated disputes and the submission of an FTC Identity Theft Report and police reports. 

This is a new violation and new party involvement, which makes this complaint distinct from previous ones. 

Additional Evidence and Escalation of Harm : XXXX XXXX Expenses : The emotional and financial toll of this situation has led to {$22000.00} in medical expenses, which is a direct consequence of the fraudulent reporting. This new evidence of medical harm was not included in my earlier complaints. 
Disruption to Education : I was forced to take a break from my studies at the XXXX XXXX XXXX XXXX  XXXX ( XXXX  ) due to the stress caused by the fraudulent reporting. This has delayed my graduation, causing new educational harm, which was not mentioned in the prior complaints. 

XXXX  XXXX XXXX : Since XX/XX/XXXX, I have been displaced and forced into temporary housing, further exacerbating the emotional distress and financial instability caused by these fraudulent reports. This continued harm is new and escalated since my initial complaints. 

Failure to Act Despite Repeated Disputes : Despite submitting multiple disputes and providing identity theft documentation, XXXX, TransUnion, and XXXX have failed to resolve this issue or take appropriate action. The continued failure to correct the fraudulent information has escalated the harm I have suffered, justifying a new complaint. 

Legal Violations Cited : The following federal laws support my case, highlighting the violations committed by XXXX XXXX XXXX, TransUnion, and XXXX : XXXX. Fair Credit Reporting Act ( FCRA ) : Section 605B ( 15 U.S.C. 1681c-2 ) : This section requires credit reporting agencies ( CRAs ) to block fraudulent accounts within four business days once identity theft has been reported. Both TransUnion and XXXX failed to block the fraudulent account in my name, despite receiving the necessary documentation ( FTC Identity Theft Report and police report ).

Section 611 ( 15 U.S.C. 1681i ) : TransUnion and XXXX have failed to conduct a reasonable investigation into my dispute, as required under FCRA. Despite my repeated notifications, these agencies have not investigated or removed the fraudulent account from my credit report. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : This section mandates that CRAs like TransUnion and XXXX must ensure maximum accuracy in their credit reports. The continued reporting of false information is a violation of this section. 

Section 623 ( 15 U.S.C. 1681s-2 ) : XXXX XXXX XXXX XXXX XXXX a furnisher of information, is required to ensure that they report accurate information. They continue to report false information, knowing it is inaccurate and despite receiving clear evidence that the account was opened due to identity theft. 
2. Fair Debt Collection Practices Act ( FDCPA ) : Section 807 ( 15 U.S.C. 1692e ) : Under the FDCPA, it is prohibited to engage in deceptive practices. XXXX XXXX XXXX 's continued failure to correct the fraudulent charge-off after multiple disputes constitutes deceptive practices, causing further harm to my credit and reputation.

3. CFPB Regulation 1006.34 ( b ) ( 4 ) : This regulation allows consumers to submit a debt validation notice to creditors or credit reporting agencies. Since both TransUnion and XXXX have failed to validate the fraudulent debt after receiving my dispute notifications, I am entitled to have the fraudulent account removed. 

Conclusion : This complaint is NOT a duplicate of previous filings. It involves new violations, the involvement of new parties ( TransUnion and XXXX ), new evidence of harm, and the failure to resolve ongoing disputes. Given the escalation of this issue and the continued harm it causes, I respectfully request that the CFPB accept this complaint as a new filing and proceed with immediate action to correct the fraudulent reporting. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX