Product: Credit reporting or other personal consumer reports

Formal Complaint Against TransUnion and XXXX , XXXX for FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion and XXXX , XXXX for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my valid disputes, TransUnion has failed to properly investigate the matter, and XXXX , XXXX has not provided the necessary debt validation as required under federal law. 
Unauthorized Reporting & Identity Theft ( FCRA 1681 ) TransUnion and XXXX, XXXX have placed an account on my credit file without my permission. Under FCRA 1681b, a credit bureau is only allowed to report information when there is a legally permissible purpose. I did not authorize this debt to appear on my credit report, which means its inclusion is unlawful. This qualifies as identity theft under FCRA 1681c-2.

Furthermore, FCRA 1681a explicitly states that consumer reports should not contain financial transactions or experiences that have not been expressly authorized. Since I never consented to this account being reported, it should not be on my credit file. No consent equates to identity theft, and under FCRA 1681c-2, this account must be permanently removed. 
TransUnions Failure to Conduct a Proper Investigation ( FCRA 1681i & FDCPA 1692g ) I previously disputed the XXXX, XXXX account associated with XXXX XXXX XXXX. Below are the account details : Debt Collector : XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Status : Collection account, past due as of XX/XX/XXXX Under FCRA 1681i, TransUnion is required to conduct an independent and thorough investigation rather than blindly accepting information from the debt collector. Proper verification should include : Third-party verification through an independent source A review of original signed contracts Personal interviews and supporting documentation TransUnion has failed to provide any evidence that such an investigation took place. This is a clear violation of FCRA 1681i.

Similarly, under FDCPA 1692g, XXXX, XXXX was required to provide debt validation within 30 days of my request, including : A signed contract proving I agreed to this debt. 
A complete breakdown of how the balance was calculated. 
Documentation proving their legal authority to collect this debt. 
Since neither TransUnion nor XXXX , XXXX has met these requirements, the account is inaccurate and unverifiable, meaning it must be removed immediately under federal law. 
Violation of Accuracy Requirements ( FCRA 1681e ( b ) ) The FCRA mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report. Since TransUnion has not provided concrete proof that this account is accurate, they are in direct violation of FCRA 1681e ( b ). 
Additionally, keeping an unverified collection account on my credit report damages the reliability of the financial system. If the information reported by TransUnion is not verified, it creates unnecessary financial hardship and negatively impacts my ability to access credit. 
Credit Reports Must Be Managed with Integrity Consumers rely on credit reporting agencies to fairly and accurately report their financial history. Just as people monitor their bank accounts for errors, they should be able to trust that their credit reports reflect only legitimate, verifiable information. However, TransUnion and XXXX XXXX XXXX continue to report inaccurate data, compromising consumer trust in the credit system. 
The CFPBs Role in Enforcing Fair Credit Practices The FCRA mandates that credit bureaus handle consumer data fairly and in accordance with privacy laws. If I did not authorize this account to be reported, then TransUnion is in direct violation of my federally protected privacy rights. 
Congress has established that consumer reporting agencies are critical to the financial industry. However, by failing to investigate disputes properly, TransUnion has neglected its responsibility under federal law. I expect the CFPB to take immediate action. 
TransUnions Improper Use of E-OSCAR TransUnion does not have my consent to process this dispute through E-OSCAR. The law requires a legitimate, independent investigation under FCRA 1681i. Automated dispute resolution systems like E-OSCAR fail to meet this standard because they rely only on the furnishers word rather than conducting an actual review. By using E-OSCAR in this case, TransUnion is violating my rights under the FCRA. 
Identity Theft Report is Attached I am submitting my Identity Theft Report as further proof that this collection account was placed on my credit report without my authorization. Under FCRA 1681c-2, once a credit bureau receives an identity theft report, they must block and remove the fraudulent account. TransUnion and XXXX, XXXX have no legal grounds to continue verifying or reporting this debt. 
What I Am Demanding I request that the CFPB take the following corrective actions : 1. Order TransUnion to delete this collection account immediately due to failure to verify it properly. 
2. Order XXXX, XXXX to cease all collection attempts and remove the account due to lack of validation. 
3. Hold TransUnion and XXXX, XXXX accountable for failing to comply with federal law and impose financial penalties. 
4. Provide written confirmation that this account has been permanently removed from my credit file. 
If this matter is not resolved in a timely manner, I am prepared to escalate my legal actions, including filing a lawsuit under FCRA 1681n, which allows me to seek {$1000.00} per violation in damages. 
Please confirm receipt of this complaint and provide an update on the next steps in the investigation. I expect a timely and full resolution of this issue. 
Sincerely, XXXX XXXX