Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Dispute of Credit Report Inaccuracies and Misrepresentation by TransUnion Dear Sir/Madam, I am writing to formally dispute several inaccuracies and instances of misrepresentation appearing on my credit report from TransUnion. I had requested this report several times and it was just forwarded to me via online after my 3 call in 2 months.

These errors and omissions constitute violations of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable laws designed to protect consumers from false, misleading, and deceptive credit reporting practices. I respectfully request your immediate intervention to ensure these inaccuracies are addressed and permanently deleted. 

Disputed Items : XXXX XXXX XXXX ( # XXXX ) : This account is inaccurate and misrepresented on my credit report. I request its immediate deletion. 

XXXX XXXX ( # XXXX ) : ** This account is similarly inaccurate and misrepresented. Please ensure its removal without delay. 

Duplicate Reporting by Department XXXXf EducationXXXX and XXXX XXXX : Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) These two accounts are being reported twice for the same debt, resulting in an unfair and misleading representation of my credit profile. This practice constitutes double jeopardy in credit reporting, which is inherently unjust and violates consumer rights. 

Violations of Consumer Protection Laws : The following violations have occurred due to these inaccuracies and misrepresentations : Fair Credit Reporting Act ( FCRA ) : Section 1681e ( b ) : Credit reporting agencies are required to maintain maximum accuracy in consumer reports. Reporting duplicate accounts and inaccurate information violates this provision.

Section 1681i ( a ) : Consumers have the right to dispute incomplete or inaccurate information, and credit bureaus must promptly investigate and correct errors.

Federal Trade Commission ( FTC ) Act, Section 5 : Reporting inaccurate, misleading, and deceptive information is an unfair or deceptive act or practice ( UDAP ), violating consumer rights under the FTC Act.

Consumer Financial Protection Act ( CFPA ) : Misrepresenting information in credit reports violates provisions of the CFPA prohibiting deceptive acts or practices. 

Case Precedents and Legal Enforcement : Several lawsuits highlight the liability of credit reporting agencies for similar violations : XXXX XXXX TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) : The Supreme Court held TransUnion accountable for failing to maintain accurate records, resulting in harm to consumers. 

XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( D.D.C. XXXX ) : XXXX was found liable for reporting duplicate accounts, misleading creditors, and damaging the consumers credit profile. 

Settlements by the CFPB : Agencies such as XXXX, XXXX, and TransUnion have faced enforcement actions for violating FCRA provisions by reporting inaccurate and misleading information. 

Request for Immediate Action : Based on the aforementioned laws and precedents, I demand the following actions : Immediate deletion of the inaccurate accounts : XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX XXXX # XXXX ) Removal of duplicate reporting for : Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( # XXXX ) Confirmation in writing that these inaccuracies have been corrected and DELETED from my credit report. 

Failure to act promptly to address these violations will leave me no choice but to pursue further legal remedies. Under FCRA Section XXXX681n and Section 1681o, I may seek damages for willful and negligent noncompliance, including actual damages, statutory damages, and legal fees. 

I appreciate your immediate attention to this matter and look forward to your prompt resolution. Please contact me at the phone number or email address provided above should you require further information. 

Sincerely, XXXX XXXX