Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I reviewed my credit report issued by TransUnion on XX/XX/XXXX and noticed some items are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) despite multiple dispute letters I have sent. TransUnion has refused to conduct proper investigations and continues reporting inaccurate, inconsistent, and unverifiable information on my credit report. 
I have formally disputed errors on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and TransUnion has not complied with its legal obligation under 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). 
Additionally, the CFPB has recently sued XXXX for failing to conduct legitimate investigations of consumer disputes ( Case : CFPB Sues XXXX for Sham Investigations of Credit Report Errors ). My experience is a direct example of TransUnions noncompliance, and I am requesting CFPB enforcement action.

Violations by TransUnion : 1. Failure to Verify Debt or Remove Inaccurate Information ( 15 USC 1681e ( b ) & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I requested TransUnion to verify or remove a reported debt. 
TransUnion failed to provide verification and did not remove the account, violating FCRAs accuracy and reinvestigation requirements. 
2. Reporting Inconsistent & Conflicting Information Across Credit Bureaus ( 15 USC 1681e ( b ) ) TransUnion is reporting different removal dates for the same accounts across bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$27000.00} Collection ) o TransUnion & XXXX : Estimated removal XX/XX/XXXX o Experian ( separately reported ) : Estimated removal XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$7700.00} Collection ) o TransUnion XXXX Estimated removal XX/XX/XXXX o Experian : Estimated removal XX/XX/XXXX These inconsistencies prove TransUnion is failing to ensure accuracy, as required under 15 USC 1681e ( b ).

3. Failure to Remove or Correct Paid Collection Accounts ( 15 USC 1681s-2 & 1681i ( 5 ) ) In my XX/XX/XXXX dispute, I reported that certain accounts were purchased for less than owed through a third-party debt collector. 
XXXX failed to correct or delete these accounts, despite FCRAs mandate that inaccurate or unverifiable accounts be removed. 
XXXX. Allowing Unregistered Debt Collectors to Report Debt ( California XXXX Violation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX company ) is reporting a collection account on my XXXX report. 
This debt collector is not registered in California and does not hold the required {$10000.00} surety bond to legally collect debts in the state. 
XXXX is knowingly allowing an unregistered and non-compliant debt collector to report inaccurate information. 
How This Has Harmed Me : TransUnions refusal to comply with federal law has directly impacted my financial well-being : Credit denials & higher interest rates due to incorrect negative reporting.

Potential loss of housing & employment opportunities due to misreported delinquency. 
Emotional & financial distress from XXXX refusal to correct clear violations. 
Resolution Requested : I demand that TransUnion : 1. Conduct a proper reinvestigation of my disputes and delete all unverifiable or inaccurately reported accounts.

2. Immediately delete all accounts with inconsistencies in account reporting, including date-of-first-delinquencies.

3. Remove collection accounts reported by unregistered debt collectors, per California law.

4. Provide written confirmation of these corrections as required under FCRA