Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally file a complaint against XXXX, TransUnion, and XXXX regarding inaccurate and misleading information on my credit reports. Despite my attempts to resolve these issues directly with the credit reporting agencies, I have been unable to obtain satisfactory results. 

The inaccuracies on my credit report include : 1. Non-mailable Addresses : There are additional non-mailable addresses listed on my credit report which are incorrect and misleading. 
2. Unauthorized Inquiries : I have received several inquiries on my report from which I did not benefit. These inquiries are adversely affecting my credit score. 
3. Inaccurate Opened Dates : Certain accounts on my credit report are reporting incorrect opened dates. 
4. Collections Reporting : I have collections listed on my credit report for which I never received a 1099-C form. According to the IRS, a collection is considered income and should not be reported on a consumer report if not properly documented. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must ensure the accuracy and privacy of information included in consumer reports. Under the FCRA, specifically 15 U.S.C. 1681 et seq., the following key definitions and provisions apply : 15 U.S.C. 1681a : Definitions and rules of construction.

15 U.S.C. 1681b : Permissible purposes of consumer reports.

15 U.S.C. 1681c : Requirements relating to information contained in consumer reports.

15 U.S.C. 1681d : Disclosure of investigative consumer reports.

15 U.S.C. 1681e : Compliance procedures.

15 U.S.C. 1681f : Disclosures to governmental agencies.

15 U.S.C. 1681g : Disclosure to consumers.

15 U.S.C. 1681h : Conditions and form of disclosure to consumers.

15 U.S.C. 1681i : Procedure in case of disputed accuracy.

Additionally, the Gramm-Leach-Bliley Act ( GLBA ) provides further consumer protections under 15 U.S.C. 6801-6805 : 15 U.S.C. 6801 : Protection of nonpublic personal information.

15 U.S.C. 6802 : Obligations with respect to disclosures of personal information.

15 U.S.C. 6803 : Disclosure of institutions privacy policy.

15 U.S.C. 6804 : Rulemaking authority.

15 U.S.C. 6805 : Enforcement. 

XXXX, TransUnion, and XXXX have failed to perform their duties as required under the FCRA and the GLBA by not conducting thorough investigations into the inaccuracies I have disputed. Their negligence in this matter is causing undue harm to my creditworthiness and financial well-being. 

I request that the CFPB investigates these violations thoroughly and ensure that the credit reporting agencies correct the inaccuracies on my credit reports. I also request that they remove any unauthorized inquiries, incorrect opened dates, and collections that were improperly reported. 

Thank you for your attention to this urgent matter. I look forward to a prompt and fair resolution. 



TransUnion Account # XXXX High Balance {$460.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Bank Credit Cards Account Status Open Payment Status Current Creditor Remarks -- Original Creditor -- Payment Amount {$25.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type Credit Card Payment Frequency Credit Limit {$300.00} XXXX Account # XXXX High Balance {$460.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Bank Credit Cards Account Status Open Payment Status Current Creditor Remarks -- Original Creditor -- Payment Amount {$25.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type Credit Card Payment Frequency Credit Limit {$300.00} XXXX Account XXXX XXXX High Balance {$0.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type All Banks Account Status Open Payment Status Current Creditor Remarks Credit card Amount in H/C column is credit limit Original Creditor -- Payment Amount {$25.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type Credit Card Payment Frequency Credit Limit {$300.00} TransUnion Account XXXX XXXX High Balance {$380.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$380.00} Closed Date XX/XX/XXXX Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type CXXXX XXXX XXXX XXXX Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off as bad debt Profit and loss write-off Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$380.00} Account Type Charge account Payment Frequency Credit Limit {$300.00} XXXX  Account # XXXX High Balance {$0.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$380.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Complete Department Stores- Clothing Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Unpaid balance reported as a loss by the credit grantor . 
Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$380.00} Account Type Charge account Payment Frequency Credit Limit {$300.00} XXXX Account # XXXX High Balance {$380.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$380.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Charged off account Charge Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$380.00} Account Type Charge account Payment Frequency Credit XXXX {$0.00} TransUnion Account # XXXX XXXX Balance {$10000.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$8100.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Credit Unions Account Status Open Payment Status Late 30 Days Creditor Remarks -- Original Creditor -- Payment Amount {$170.00} Last Payment XX/XX/XXXX Term Length 73 Month ( XXXX ) Past Due Amount {$170.00} Account Type Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} XXXX Account # XXXX High Balance {$10000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$8100.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Credit Unions Account Status Open Payment Status Late 30 Days Creditor Remarks -- Original Creditor -- Payment Amount {$170.00} Last Payment XX/XX/XXXX Term Length 73 Month ( s ) Past Due Amount {$170.00} Account Type Auto Loan Payment Frequency Credit Limit {$0.00} XXXX Account XXXX XXXX High Balance {$10000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$8100.00} Closed Date -- Account Rating Open Account Description Individual Dispute Status Account not disputed Creditor Type Credit Unions Account Status Open Payment Status Late 30 Days Creditor Remarks Auto Original Creditor -- Payment Amount {$170.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$170.00} Account Type Auto Loan Payment Frequency Credit Limit {$0.00} TransUnion Account XXXX XXXX High Balance {$270.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date XX/XX/XXXX Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Cellular Telephone/Paging Companies Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Collection Account Placed for collection Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length -- Past Due Amount {$270.00} Account Type Telecommunications/Cellular Payment Frequency Credit Limit {$0.00} XXXX Account XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Wireless Telephone Service Providers Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Original Creditor -- Payment Amount {$0.00} Last Payment -- Term Length 1 Month ( XXXX ) Past Due Amount {$270.00} Account Type Unknown - credit extension, review, or collection Payment Frequency Credit Limit {$0.00} XXXX Account # XXXX High Balance {$270.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$270.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Telephone Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Collection account Telecommunications/cellular Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$270.00} Account Type Collection Payment Frequency Credit Limit {$0.00}