Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Against XXXX XXXX XXXX XXXX XXXX. Reporting on My Credit File To : Consumer Financial Protection Bureau ( CFPB ) Regarding : XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) Disputing Party : XXXX XXXX XXXX XXXX : XX/XX/XXXX Dear CFPB, I am submitting this formal dispute against XXXX XXXX XXXX XXXX XXXX ( XXXX ) and TransUnion regarding inaccurate, incomplete, and unverifiable information reported on my credit file. Despite numerous attempts to resolve this matter directly with both XXXX and TransUnion, my concerns remain unaddressed, and my consumer rights under federal law continue to be violated. 

Key Issues : 1. Failure to Validate Debt ( FDCPA Violation ) : XXXX has failed to provide the legally required validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ). Despite sending multiple debt validation requests, XXXX responded with only generic billing statements from XXXX, which do not meet the legal criteria for debt validation. They failed to provide : A signed contract or agreement proving my obligation to the alleged debt. 
A full chain of custody/ownership showing the assignment or sale from XXXX to XXXX. 
The original account details, including itemized statements of charges and payments. 
. Forward Flow Agreement.

. First date of delinquency & Last date of payment to avoid re-aging of debt for statue of time limitation to report and collect. 

2. Inadequate Investigation by TransUnion ( FCRA Violation ) : TransUnion verified this account as accurate without conducting a proper investigation, violating the Fair Credit Reporting Act ( FCRA ). The lack of : Documentation from XXXX proving ownership and the accuracy of the account. 
Verification of licensing status to collect in Illinois during the reporting period. 
Proof that the debt wasnt already settled, paid, or disputed elsewhere. 

XXXX. Licensing Concerns ( State Law Violation ) : Upon reviewing XXXX Illinois Department XXXX XXXX and XXXX XXXX ( XXXX ) records, it appears their license status has fluctuated over the years. Their active status only resumed recently ( as of XX/XX/XXXX ), which raises concerns about their authority to collect and report debts during the disputed periods. This indicates they may have been unlicensed during part of the time they pursued collection activities against me.

4. Inaccurate Reporting Details : The account is reported as a Debt Buyer and placed for collection with an original creditor listed as XXXX XXXX. ( Retail ). There are discrepancies in : Account type labeling, falsely identified as an open account when it should reflect its true nature as a closed, charged-off account. 
Incorrect loan type, listed as Debt Buyer, which is misleading as it doesnt represent my original credit relationship with XXXX XXXX 

Attached Evidence : Copies of my debt validation letters sent to XXXX. 
XXXX inadequate responses ( billing statements without proper validation ). 
CFPB complaints filed regarding this issue ( attached for reference ). 
Illinois licensing records showing potential lapses or renewals in XXXX collection authority. 
A copy of my credit report reflecting the disputed account. 

I appreciate your immediate attention to this matter and request a thorough investigation into XXXX and TransUnions handling of my disputes. 

Sincerely, XXXX XXXX XXXX