Product: Debt collection

I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted on XX/XX/year>. My dispute specifically requested a detailed timeline and complete procedural documentation of the investigation into the inaccuracies reported on my credit file. Despite this clear request, TransUnion has not responded within the legally mandated 30-day period under the Fair Credit Reporting Act ( FCRA ). 

Summary of Disputed Items : Late Payments : Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 
These late payments were incorrectly reported. I requested specific documentation on how these items were investigated, but TransUnion has failed to provide any information. 
Unauthorized Hard Inquiries : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These hard inquiries were made without my consent. I requested a detailed timeline of how TransUnion handled these disputes and validated the inquiries, but no response has been given. 
Account Inaccuracies ( Charge-Offs ) : Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were inaccurately reported as charge-offs. I requested procedural documentation on how these disputes were handled and how the information was verified, but no response has been provided. 
Collection Accounts : Accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I disputed the accuracy of these collection accounts and requested documentation showing how TransUnion handled the investigation. No documentation has been provided. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Provide a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : TransUnion has not provided the required detailed timeline or procedural documentation for the investigation of these items. This failure constitutes a violation of FCRA Section 611 ( a ).

Failure to Provide a Description of the Procedure Used ( FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ) : I requested a full timeline of the steps taken during the investigation, including identification of personnel involved and timestamps for each action. TransUnions lack of response violates FCRA S

ection 611 ( a ) ( 6 ) ( B ) ( iii ). Failure to Correct Account Inaccuracies ( FCRA Section 611 ( a ) ) : TransUnion has not corrected the reported inaccuracies nor provided evidence of the steps taken during the reinvestigation process. This is a further violation of FCRA Section 611 (
a ).

Impact : TransUnions failure to provide the requested documentation and correct the inaccuracies on my credit report has caused : Emotional distress : The unresolved issues have caused significant anxiety and frustration, especially as the inaccuracies continue to affect my credit standing. 
Financial harm : The incorrect reporting of late payments, hard inquiries, and charge-offs has led to credit denials, higher interest rates, and financial losses. 
Long-term financial damage : The failure to address these inaccuracies continues to negatively impact my creditworthiness. 
Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, unauthorized inquiries, and charge-offs from my credit report. 
Provide a complete and detailed timeline showing how each disputed item was investigated, including timestamps and personnel involved. 
Ensure that all future correspondence is sent via certified mail, as I specifically requested that electronic responses would not be accepted.