Product: Credit reporting or other personal consumer reports

Complaint Summary Company Name : TransUnion Issue Type : Incorrect reporting of debt without proper validation Complaint Description : I am writing to file a formal complaint against TransUnion for inaccurately reporting a debt that I do not believe has been properly validated. The debt is being reported by XXXX XXXX, and I am challenging the accuracy of the reporting as I have not received proper validation from XXXX XXXX  nor a signed contract between us. I believe that TransUnion has failed in its responsibilities under the Fair Credit Reporting Act ( FCRA ) and is continuing to report inaccurate information. 

Violation of Consumer Rights : Failure to Report Accurate Information ( Fair Credit Reporting Act - FCRA, 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure that the information they report is accurate and complete. XXXX XXXX has failed to provide the necessary validation of the debt, despite my requests, and has not provided me with a signed contract or any proof that I am legally obligated to pay this debt. By continuing to report this debt, TransUnion is in violation of my rights under the FCRA, as the debt may be inaccurate or unverifiable.

Failure to Conduct a Reasonable Investigation ( FCRA, 15 U.S.C. 1681i ) : After notifying TransUnion of the disputed debt, TransUnion is required under the FCRA to conduct a reasonable investigation into the accuracy of the information. TransUnion has failed to investigate the accuracy of this debt, despite the fact that I have disputed it due to the lack of validation from XXXX XXXX. This failure to investigate is a violation of my rights under the FCRA. 

Attempts to Resolve the Issue : I have made multiple attempts to resolve this issue directly with XXXX XXXX, requesting validation of the debt and a signed contract. Despite my requests, they have failed to provide me with any documentation that substantiates the debt. I have also disputed this information with TransUnion directly, but the debt is still being reported. 

Resolution Requested : Immediate removal or correction of the inaccurate reporting of the debt by TransUnion, as XXXX XXXX has not provided the necessary validation or a signed contract. 
A full investigation into the accuracy of the debt reporting by TransUnion, in compliance with the FCRA. 
Notification that TransUnion has removed or corrected this information from my credit report. XXXX XXXX has failed to provide adequate validation of the debt they claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt within 30 days of receiving a notice of the debt. Despite my repeated requests for documentation verifying the debt, XXXX XXXX has not provided any proof that the debt is legitimate or that they have the right to collect it. This failure to validate the debt is a violation of my rights under the FDCPA. 
Failure to Provide a Signed Contract ( Truth in Lending Act - TILA, 15 U.S.C. 1601 et seq. ) : Furthermore, XXXX XXXX has not provided me with a signed copy of any contract between us, nor have they provided any terms and conditions that would substantiate their claim. 
I trust that TransUnion will conduct a thorough investigation and ensure that my credit report is accurate and compliant with federal consumer protection laws. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX