Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against TransUnion for FCRA Violation Failure to Verify and Report Accurate Information Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint against TransUnion, XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in verifying and reporting information on my credit report. Despite my repeated requests for complete validation of a disputed account, TransUnion has not provided the required verification documentation and has inaccurately investigated my dispute. Instead, they falsely claimed that I requested cancellation of the investigation. 

Background : On XX/XX/year>, I submitted a dispute to TransUnion regarding an account reported by XXXX CO DA with account number XXXX. In my dispute letter, I clearly requested that TransUnion provide verification documentation, including : 1. The name and contact information of the entity that verified the debt.

2. Copies of all documents used to verify the account ( such as contracts, payment history, and correspondence with the original creditor, XXXX XXXX XXXX ). 
3. Proof that I was properly notified of the alleged child support obligation and that the correct procedures were followed when reporting this information to the credit bureaus. 

TransUnions Response : On XX/XX/year>, TransUnion responded by stating that the account was Verified as Reported and that the investigation for the account XXXX  XXXX XXXX XXXX had been canceled at my request. I categorically deny ever requesting cancellation of the investigation. Moreover, TransUnion did not provide any supporting documentation or evidence to substantiate their claim that the information is accurate. 

Violation of FCRA Requirements : Under the FCRA, particularly 15 U.S.C. 1681i, a credit reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes information on their credit report. This process mandates that the agency verify the accuracy and completeness of the disputed information before it is reported. If the information can not be verified or is found to be inaccurate, the agency must correct or delete it. In my case, XXXX and XXXX removed this account from my credit reports after their investigations confirmed its inaccuracy. TransUnion, however, continues to report the disputed account without providing any verification documentationeven after I supplied all necessary supporting documents. This failure to exercise due diligence is a clear violation of the FCRA. 

Discrepancies Across Credit Bureaus : I have attached my XXXX, XXXX, and TransUnion credit reports for your review. These reports demonstrate that only TransUnion continues to report the disputed account, whereas both XXXX and XXXX removed it nearly a year ago. Had TransUnion conducted a proper investigation in compliance with the FCRA, the outcome would have aligned with the other XXXX bureaus. 

Requested Action : I respectfully request that the CFPB : 1. Investigate XXXX handling of my dispute, specifically their failure to provide complete verification documentation and their incorrect assertion that I canceled the investigation. 
2. Require TransUnion to either provide the full documentation that verifies the accuracy of the disputed account or remove the erroneous account from my credit report.

3. Take appropriate enforcement actions to ensure that TransUnion complies with the FCRA and prevents further harm to consumers. 

Enclosed are copies of my initial dispute letter, XXXX response, and the credit reports from XXXX, XXXX, and TransUnion that clearly show the discrepancies in reporting. 

Thank you for your prompt attention to this matter. I look forward to your assistance in ensuring that TransUnion is held accountable for their failure to comply with federal law. 

Sincerely, XXXX XXXX XXXX XXXX : Copy of initial dispute letter to TransUnion dated XX/XX/year> Copy of XXXX response dated XX/XX/year> Copies of XXXX, XXXX, and TransUnion credit reports showing that only TransUnion is reporting the disputed account Additional supporting documentation