Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for FCRA Violations and Misrepresentation Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and ongoing misrepresentation of consumer information related to my credit report. 

Summary of Dispute The account in question is a Department of XXXX account XXXX Account XXXX XXXX. I, the consumer, have previously informed TransUnion that this account contains inaccuracies and should be removed. A report I received from TransUnion ( Report Number XXXX, Date Generated : XX/XX/XXXX ) states that the disputed item was verified. However, the data provided between TransUnion and other credit bureaus, such as XXXX, are inconsistent. 

XXXX Report claims 90-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX Report claims 90-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
These discrepancies demonstrate clear misrepresentation of my payment history. Furthermore, I was never 30 days late, 60 days late, and then 90 days late, as reported. This pattern of reporting is not only inconsistent but blatantly inaccurate, violating my consumer rights under the FCRA. 

Legal Violations Under the FCRA ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies have a legal obligation to ensure accuracy, fairness, and privacy in credit reporting. Specifically : Section 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies must conduct a reasonable investigation of disputes, correct or delete inaccurate, incomplete, or unverifiable information, and do so within 30 days of the dispute being filed. 
Section 1681e ( b ) : Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information. 
Additionally, the Federal Trade Commission ( FTC ) has held credit reporting agencies accountable for failing to address inaccuracies in credit reports. Cases such as FTC v. XXXX XXXX XXXX XXXX XXXX XXXX demonstrate that agencies may face legal repercussions for misrepresentation and failure to investigate or correct consumer information adequately. 

Request for Immediate Action Given the continuous misrepresentation of my payment history and the failure of TransUnion to validate the accuracy of the disputed account, I demand the following : Immediate Correction or Deletion of the Account : If TransUnion can not provide documentation proving the accuracy of this account, including the name and employee number of the individual who verified the dispute, the account must be deleted. I am not requesting an automated E-OSCAR response or review; I expect specific documentation showing the validation process and its findings. 
Documentation Used for Validation : If TransUnion continues to claim the account is valid, I demand copies of all documentation used to verify this account, including any correspondence with the furnisher of the information. 
Investigation by the CFPB : I request the CFPB to investigate this matter thoroughly, as TransUnions actions violate federal law and misrepresent my credit history. 
References to Legal Precedent FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : This case addressed inaccuracies and the failure to correct consumer information as required under the FCRA. 
FTC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : Highlighted the need for consumer reporting agencies to follow reasonable procedures to ensure accuracy and avoid deceptive practices. 
TransUnions actions represent false, misleading, and deceptive practices, further compounding the emotional and financial harm caused by inaccurate reporting. 

Conclusion As a consumer, I have the right to an accurate credit report under the FCRA. TransUnion has failed to meet its legal obligations, resulting in a continuous misrepresentation of my payment history. I trust the CFPB will act promptly to address these violations and hold TransUnion accountable for its actions. 

Please let me know if you require any additional documentation or information to proceed with this investigation. 

Sincerely, XXXX XXXX