Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Complaint : TransUnion, XXXX, and XXXX Willful Noncompliance and Aggravated Fraud in Failure to Block Fraudulent Accounts Dear CFPB, This is my third formal complaint against TransUnion, XXXX, and XXXX for their ongoing violations of federal law, specifically the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) requirements . Despite submitting a valid FTC Identity Theft Report, supported by my government-issued identification and proof of address, the credit reporting agencies have failed to block fraudulent and unauthorized accounts from my credit report within the legally mandated four business days as required by 15 U.S.C. 1681c-2.

Their continued refusal to comply constitutes aggravated fraud, misrepresentation, and a blatant violation of federal law. These actions not only compromise the integrity of my credit report but also suggest an exploitative intent to profit from retaining and sharing this data. 

Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is still reporting XXXX XXXX XXXX XXXX XXXX account Background and Noncompliance 1. FTC Report Submission : I filed an FTC Identity Theft Report, identifying the fraudulent accounts and personal information on my credit report. This submission included all necessary supporting documentation, including proof of my identity and address.

2. Failure to Block Accounts : Under 15 U.S.C. 1681c-2, all three bureaus are legally obligated to block all disputed information within four business days of receiving the FTC report . Despite this, the following accounts remain unblocked : XXXX XXXX XXXX ( XXXX and XXXX ) : Continues to report this account despite my FTC report and its fraudulent classification. 
Various Unauthorized Accounts ( TransUnion ) : Multiple accounts remain unblocked, despite proper documentation and notices.

3. Fraudulent Intent to Retain Data : The refusal to block unauthorized information suggests malicious intent by the bureaus to prolong its reporting for financial gain, which constitutes a violation of federal law and consumer trust.

Legal Violations and Their Severity FCRA Violations 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block fraudulent accounts upon receiving an FTC report and proof of identity. The continued reporting of unauthorized accounts is a willful violation of this statute.

15 U.S.C. 1681e ( b ) : Requires agencies to ensure the accuracy of information in consumer reports. By failing to block fraudulent accounts, the agencies are in breach of this obligation.

15 U.S.C. 1681n : Holds agencies liable for willful noncompliance, exposing them to statutory damages, punitive damages, and legal costs. 
Fraudulent Practices and Identity Theft Aggravated Identity Theft ( 18 U.S.C. 1028A ) : Reporting unauthorized accounts without verification constitutes identity theft under federal law. 
Racketeer Influenced and Corrupt Organizations ( RICO ) Act : The bureaus repeated retention and sharing of unauthorized consumer information for profit constitute a pattern of racketeering activity, violating RICO statutes.

Unauthorized Data Retention and Misuse Gramm-Leach-Bliley Act 15 U.S.C. 6802 : Prohibits the disclosure of nonpublic personal information without explicit consent. By retaining and sharing unauthorized data, the agencies are in breach of this Act.

FTC Act Section 5 ( a ) : Prohibits unfair or deceptive practices, including retaining unauthorized data for profit.

Impact on My Well-being The refusal by TransUnion, XXXX, and XXXX to comply with federal law has resulted in : A misrepresentation of my creditworthiness. 
Denial of financial opportunities due to fraudulent accounts. 
Severe emotional distress and frustration as I am forced to repeatedly address this matter.

Aggravated Fraud and Exploitation Despite submitting valid opt-out notices to TransUnion, XXXX, and XXXX, my requests to halt the reporting of unauthorized and nonpublic information have been ignored. This behavior reflects deceptive intent to exploit my data for profit, in direct violation of : 15 U.S.C. 6802 ( b ) ( c ) : Mandates that financial institutions and agencies must allow consumers to opt out of data sharing and must honor such requests.

15 U.S.C. 1681b : Requires consumer consent for the sharing or reporting of credit information. 
XXXX XXXX XXXX XXXXXXXX : Reinforced the duty of credit bureaus to secure and correct consumer data promptly.

Demand for Immediate Action 1. Block Unauthorized Accounts : I demand immediate compliance with 15 U.S.C. 1681c-2, requiring the blocking of all disputed accounts and personal information within four business
days.

2. Written Confirmation : Provide a formal acknowledgment that the accounts have been blocked and all unauthorized information has been removed.

3. Investigate Noncompliance : CFPB must hold all three credit bureaus accountable for repeated violations and investigate their fraudulent practices.

Supporting Documentation I have included the following : A valid FTC Identity Theft Report. 
Government-issued identification. 
Proof of address Conclusion TransUnion, XXXX, and XXXX  willful noncompliance with federal law, including their refusal to block unauthorized accounts, constitutes a gross abuse of their role as consumer reporting agencies. Their actions have inflicted financial and emotional harm on me and violate multiple federal statutes. I respectfully request the CFPBs immediate intervention to enforce compliance and protect my rights as a consumer.