Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this urgent dispute against TransUnion for continued inaccurate and unauthorized reporting of the XXXX XXXX XXXX account on my credit report. Despite multiple disputes and formal complaints, TransUnion persists in reporting false information, violating my rights under the Fair Credit Reporting Act ( FCRA ) and consumer privacy laws. 

Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$12000.00} Highest Balance : {$24000.00} Opened : XX/XX/XXXX Term : XXXX  months Current Status : In Repossession ( Incorrect ) Violations and Issues Identified : 1. Inaccurate Account Status & Payment History : The account is incorrectly reported as In Repossession despite the vehicle no longer being in my possession. 

The way TransUnion is reporting is if only XXXX payments were made on this loan that is not true, yet TransUnion continues to report fabricated payment history details. 

The total balance and monthly payment amounts do not align with the original loan agreement.

2. Failure to Correct Disputed Information Within the Legal Timeframe : I have disputed this account multiple times for over 90 days, and TransUnion has failed to correct or delete this unverifiable and inaccurate data.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion was legally required to investigate and correct this within 30 days but failed to do so.

3. Privacy and Unauthorized Reporting Violations : I never authorized this account to be reported in its current state, making this a potential violation of consumer privacy laws.

The FCRA ( 15 U.S.C. 1681b ) states that a consumer reporting agency may only furnish a consumer report for permissible purposes. This inaccurate reporting does not serve a lawful or legitimate purpose.

4. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion has a legal obligation to maintain accurate consumer reports and has knowingly reported incorrect information, violating this requirement.

The incorrect payment history, balance details, and account status all mislead lenders and negatively impact my credit profile.

Since TransUnion has failed to resolve this issue within the legally allowed timeframe, I am demanding the following : 1. Permanent deletion of the XXXX XXXX XXXX account from my TransUnion credit report.

2. Written confirmation that the account has been removed within 14 business days.

3. A detailed explanation of how TransUnion will prevent future misreporting of unauthorized or inaccurate accounts on my credit file.

If TransUnion does not correct this issue within 14 business days, I will take the following actions : 1. Escalate this matter to the Internal Attorney General for enforcement of FCRA and privacy violations.

2. File legal action for damages under 15 U.S.C. 1681n, seeking statutory and actual damages for willful violations.

3. File a formal complaint with the Federal Trade Commission ( FTC ) regarding TransUnions deceptive practices and privacy violations.

TransUnion has exceeded the legal dispute timeframe, knowingly misreported critical account details, and failed to act in compliance with federal consumer protection laws. I expect the CFPB to hold TransUnion accountable and ensure compliance with all FCRA regulations.

Please confirm receipt of this complaint and provide updates on the CFPBs enforcement actions regarding this matter. 

Sincerely, XXXX XXXX