Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against TransUnion, XXXX, and XXXX for numerous violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding their failure to comply with 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) and 15 U.S.C. 1681s-2 regarding the accuracy of information reported to consumer reporting agencies.

Background As a consumer impacted by the actions of these credit reporting agencies, I have painstakingly attempted to correct inaccuracies in my credit report and have witnessed firsthand the failure of these agencies to adhere to statutory obligations under the FCRA.

Violations 1. Definition of Consumer Report ( 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ) : It is my understanding that according to this regulation, a consumer report does not include information solely related to transactions and experiences between the consumer and the entity making the report. However, I have found that inaccuracies concerning my transactional history have been reported by these agencies, despite these inaccuracies not being exempt reports. This misclassification directly violates the clear stipulation outlined in the FCRA.

2. Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : According to subsection ( a ) ( 1 ) ( A ), furnishers of information have a duty to provide accurate information. I have documented occasions where both TransUnion and XXXX have reported false information while having actual knowledge of errors. These inaccuracies have negatively impacted my credit score and my ability to obtain credit. Such actions are not only illegal but demonstrate a willful disregard for the law.

3. Timing of Payments ( 15 U.S.C. 1666b ) : The failures in reporting also extend to the timing of payments. There have been instances where my payments have been reported late despite the fact that my payments were made timely and in accordance with the agreements in place. This misreporting has not only caused harm but has also imposed undue stress and financial implications on my ability to secure financing.

Conclusion I demand a thorough investigation into the practices of TransUnion, XXXX, and XXXX. Their continued failure to adhere to the Fair Credit Reporting Act is a violation of my rights as a consumer. I expect that the CFPB will take appropriate action to ensure that these agencies are held accountable for their violations.

Additionally, I expect these agencies to rectify the inaccuracies on my reports immediately and provide me with a formal confirmation of the corrections made.

Please inform me of the steps you will take regarding this complaint. I am prepared to take further action if necessary to enforce my rights.

Thank you for your attention to this critical matter.

I am writing to formally request information regarding the procedures you utilize to verify the accuracy of items listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I believe it is essential for consumers to understand how their information is evaluated and verified.

It is concerning to think that inaccuracies could exist on my credit report, as these discrepancies can be both frightening and damaging. The impact of incorrect information on a person 's credit report can be devastating, so it is critical to ensure accurate reporting. Therefore, I would like to know the specific steps XXXX takes to ensure that the items reported truly belong to the individual named in the report. 

Additionally, I request that you provide me with the name of the person you communicated with at any companies regarding my credit items, along with the date of that communication. Furthermore, I would appreciate it if you could confirm the address and phone number for the companies in question, as this will help me address any discrepancies directly with them.

Thank you for your attention to this matter. I look forward to your prompt response outlining your verification procedures and providing the requested contact information. 





XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$990.00} {$990.00} {$1000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$970.00} {$970.00} {$970.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account disputed Creditor Type Bank Credit Cards Bank Credit Cards All Banks Account Status Open Open Open Payment Status Current Current Current Creditor Remarks Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.

Consumer disputes this account information Credit card Original Creditor -- -- -- Payment Amount {$37.00} {$37.00} {$37.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Credit Card Credit Card Credit Card Payment Frequency Credit Limit {$1000.00} {$1000.00} {$0.00} XXXX Filters TransUnion XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance {$1000.00} {$1000.00} {$0.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$640.00} {$640.00} {$640.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Miscellaneous Finance All Banks Sales Financing Account Status Open Open Open Payment Status Current Current Current Creditor Remarks -- -- Charge Amount in H/C column is credit limit Original Creditor -- -- -- Payment Amount {$30.00} {$30.00} {$30.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Charge account Charge account Charge account Payment Frequency Credit Limit {$730.00} {$730.00} {$730.00} XXXX Filters TransUnion XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance {$540.00} {$0.00} {$540.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$0.00} {$0.00} {$0.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type General Clothing Store General Clothing Store General Clothing Store Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Purchased by another lender Purchased by a another lender .

Unpaid balance reported as a loss by credit grantor.

Charged off account Account transferred or sold Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Charge account Charge account Payment Frequency Credit Limit {$200.00} {$200.00} {$0.00} XXXX Filters XXXX XXXX Account # XXXX High Balance {$540.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$540.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account disputed Creditor Type Factoring Companies Account Status Open Payment Status Late 120 Days Creditor Remarks Consumer disputes this account information Collection account Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$540.00} Account Type Collection Payment Frequency Credit Limit {$0.00} XXXX XXXX XXXX Filters TransUnion XXXX TransUnion XXXX Account # XXXX XXXX High Balance {$54.00} {$54.00} Last Verified XX/XX/XXXX -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$54.00} {$54.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type Other Collection Agencies Other Collection Agencies Account Status Open Closed Payment Status Collection/Chargeoff Collection/Chargeoff Creditor Remarks Placed for collection -- Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Amount -- -- Last Payment -- -- Term Length -- -- Past Due Amount -- -- Account Type -- -- Payment Frequency -- -- Credit Limit -- -- Unauthorized inquiries that need to be removed XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/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 XXXXXX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA ExpXXXX XX/XX/XXXX XXXX XXXX