Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against TransUnion and Experian for failing to respond to my credit report dispute within the legally required 30-day timeframe, as mandated by FCRA 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/year>, I submitted formal disputes to both TransUnion, complaint ID XXXX, and Experian, complaint ID XXXX, regarding multiple inaccurate and unverifiable accounts appearing on my credit file. As XX/XX/year>, both credit bureaus have failed to provide a response, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Key Violations by TransUnion & Experian Failure to Respond Within 30 Days ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Credit bureaus must investigate and respond to disputes within 30 days of receiving them. 
Neither TransUnion nor Experian has provided any response, resolution, or confirmation of my dispute.

Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ) The same inaccurate information remains on both reports, meaning the bureaus have not corrected the errors nor verified the disputed accounts.

This continued reporting of inaccurate data damages my creditworthiness and financial stability. 
Violation of Metro 2 Compliance Standards Both bureaus have failed to ensure that reported accounts meet compliance standards, particularly regarding charge-offs, past due balances, and unverifiable medical collections. 
Accounts That Remain Unverified & Inaccurate XXXX. XXXX XXXX XXXX ( Charge-Off Closed ) Issue : Still reporting historical late payments and charge-off despite requested corrections. 
Violation : If the charge-off is valid, it must not continue to report a balance under Metro 2 standards. 
Requested Resolution : Update to Paid as Agreed with on-time payment history or delete if unverifiable. 
XXXX. XXXX XXXX, XXXX ( Charge-Off Closed ) Issue : Late payments continue to be reported on a closed charge-off, extending the derogatory impact beyond the original delinquency. 
Violation : If the account is verified, the payment history must reflect accurate information. If not, it must be removed. 
Requested Resolution : Correct payment history to reflect on-time payments or delete the account. 
XXXX. Lead Bank ( Charge-Off Closed ) Issue : Inconsistent balance reporting and derogatory status not updated despite prior dispute. 
Violation : Bureaus must ensure furnishers provide full validation of all reported late payments. 
Requested Resolution : If all past due balances and charge-off status can not be fully validated, delete the account. 
XXXX. XXXX XXXX XXXX XXXX ( Collection Medical Debt ) Issue : This medical collection should not be reported under the CFPBs XXXX  medical debt rule changes. 
Violation : Medical collections must be removed unless fully validated under the new Regulation V amendments.

Requested Resolution : Delete this account immediately if validation can not be provided.

Requested Resolution I request that the CFPB take regulatory action against TransUnion and Experian for violating FCRA-mandated dispute resolution timeframes and failing to ensure the accuracy and integrity of my credit file. 

If TransUnion and Experian fail to comply, I will escalate this complaint further by : Filing a complaint with the Federal Trade Commission ( FTC ) for consumer rights violations.

Filing a complaint with my state Attorney General for deceptive and unfair reporting practices.

Pursuing legal remedies under the FCRAs private right of action, including statutory and punitive damages for continued noncompliance.

Their failure to comply with the FCRA-mandated dispute process and their lack of response within 30 days is a direct violation of federal consumer protection laws. I demand immediate action and resolution. 

Sincerely, XXXX XXXX XXXX