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. 



Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesTransUnion, XXXX, and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Background Recently, I submitted complaints to TransUnion, XXXX, and XXXX regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the " Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests. 

Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that TransUnion, XXXX, and XXXX have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. 

2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section. 

3. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights. 

4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting. 

5. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA. 

Request for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of TransUnion, XXXX, and XXXX regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their " Procedures of Accuracy '' and ensure they are compliant with the FCRA requirements. 

As a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. 






XXXX XXXX XXXX  TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$120.00} {$120.00} {$120.00} 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 {$170.00} {$170.00} {$170.00} Closed Date -- -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Other Collection Agencies Other Collection Agencies Other Collection Agencies Account Status Open Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Placed for collection -- Subject has not satisfied debt . 
Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Amount -- -- -- Last Payment -- -- -- Term Length -- -- -- Past Due Amount -- -- -- Account Type -- -- -- Payment Frequency -- -- -- Credit Limit -- -- XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$6800.00} {$6800.00} {$6800.00} 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 Closed Paid Paid Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Savings and Loan Companies Personal Loan Companies Auto Financing Account Status Closed Closed Closed Payment Status Current Current Late 60 Days Creditor Remarks Closed -- Closed or paid account/XXXX  balance Auto Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length 36 Month ( s ) 36 Month ( s ) 36 Month ( s ) Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Auto Loan Auto Loan Auto Loan Payment Frequency Monthly ( every month ) Credit Limit {$0.00} {$0.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX