Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding XXXX and Credit Reporting Violations To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of federal law by TransUnion in relation to my credit report. Below, I provide detailed information about these issues and request your assistance in resolving them.

Summary of Events 1. Review of Credit Report : Earlier this year, I reviewed my credit report and identified incomplete and inaccurate information.

2. Request for Investigation : On XXXX XXXX XXXX I sent a letter to TransUnion requesting an investigation into the completeness and accuracy of the report. 
3. One XX/XX/XXXX, I sent off a letter to TransUnion disputing its Metro 2 Compliance. This letter included clear evidence of the inaccurate information as well. 
4. Unresolved Inaccuracies : The results of Equifaxs investigation failed to resolve the inaccuracies, which constitutes a violation of their legal obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of Federal Law 1. Failure to Assure Accuracy ( 15 U.S.C. 1681e ( b ) ) : TransUnion did not follow reasonable procedures to ensure maximum possible accuracy of the information on my credit report.

2. Failure to Provide a Description of Reinvestigation Procedures ( 15 U.S.C. 1681i ( 7 ) ) : After I requested a description of their reinvestigation procedures, TransUnion failed to provide the required information within the mandated 15-day period. 
XXXX. Failure to Address Unverifiable Information ( 15 U.S.C. 1681i ( 5 ) ) : TransUnion did not promptly delete or modify items of information found to be inaccurate, incomplete, or unverifiable. Furthermore, they failed to notify the furnishers of these inaccuracies as required by law.

4. Violations by Furnishers of Information ( 15 U.S.C. 1681s-2 ) : TransUnion permitted the following furnishers to report inaccurate information : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * 15 U.S.C. 1681s-2 ( 1 ) ( A ) : Reporting information with actual knowledge of errors.

* 15 U.S.C. 1681s-2 ( 1 ) ( B ) : Continuing to report inaccurate information after being notified and failing to confirm its accuracy. 
* XXXX XXXX XXXX Account Number XXXX XXXX XXXX * 15 U.S.C. 1681s-2 ( 1 ) ( A ) : Reporting information with actual knowledge of errors.

* 15 U.S.C. 1681s-2 ( 1 ) ( B ) : Continuing to report inaccurate information after being notified and failing to confirm its accuracy. 

Impact of XXXX Non-Compliance TransUnion actions have caused significant distress and have impeded my ability to maintain an accurate credit profile. Their failures suggest systemic issues that could negatively impact numerous consumers. 


Attachments I have attached the following documents for your review : * Correspondence with TransUnion regarding my credit report investigation. 
* Evidence of inaccuracies and violations mentioned in this complaint. 
Please let me know if additional information is required to facilitate the investigation. 

Thank you for your attention to this matter. I trust that the CFPB will take the necessary actions to ensure TransUnion compliance with federal regulations and uphold consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX