Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Dear CFPB, This letter serves as a formal complaint against TransUnion LLC for their failure to fulfill legal obligations under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Credit Repair Organizations Act ( CROA ). Despite XXXX rounds of written disputes sent between XX/XX/XXXX and XX/XX/XXXX, TransUnion has failed to properly investigate or validate the following accounts and continues to report inaccurate, unverifiable, and potentially damaging information on my credit report.

Ongoing Violations by TransUnion : Failure to Conduct Reasonable Reinvestigations Per FCRA 611, TransUnion is required to reinvestigate disputed items. To date, no documentation, method of verification, or results have been provided regarding multiple accounts.

Failure to Validate Debt Under FDCPA 809 Multiple collection accounts remain on my report without proof of liability, such as signed contracts, creditor details, or ownership validation. 

Reporting Inaccurate Information Several accounts show charged off with balances, written off yet still open, and other contradictory statuses that violate the accuracy clause of FCRA 1681e ( b ). 

Accounts in Dispute Still Reporting ( Examples ) : XXXX XXXX XXXX Account # : XXXX No proof of association or validation. Repeated dispute requests ignored. 

XXXX XXXX XXXX Account # : XXXX Reporting late payments despite no verification or documentation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX Multiple collection accounts with no proof of ownership or original contract. 

XXXX XXXX XXXX Account # : XXXX Written off status with a balance still showing. No method of verification explained. 

XXXX XXXX XXXX XXXX Account # : XXXX Charged-off and closed, yet still reporting a balance across multiple rounds of disputes. 

XXXX XXXX XXXX Account # : XXXX Contradictory status ( charge-off with balance ). No response to validation demands. 

XXXX XXXX  Account # : XXXX Still reporting post-transfer with no verification of ownership or reporting rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All reported with no verifiable link to me, despite multiple documented dispute attempts. 

Inquiries & Other Violations : Dozens of non-account-holding inquiries older than 30 days have not been removed. 
No responses have been received within required 30-day FCRA timelines for several rounds. 
Requested Action by the CFPB : Immediate investigation into TransUnions lack of compliance with FCRA, FDCPA, and CROA. 
Deletion of all accounts that TransUnion has failed to verify through proper documentation. 
Explanation of method of verification for each account listed. 
Corrective action to ensure TransUnion implements lawful dispute processes. 
I have included documentation from XXXX full rounds of disputes for CFPBs review. I am requesting urgent intervention to protect my consumer rights and to ensure future compliance from TransUnion. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX