Product: Credit reporting or other personal consumer reports

I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX and TransUnions failure to provide adequate documentation and verification for the following accounts, which are reported on my credit files. Despite numerous attempts to obtain validation, these entities have failed to respond appropriately, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXX XXXX XXXX - Original Creditor : XX/XX/XXXX Balance : {$9200.00} Open Date : XX/XX/XXXX Status : XX/XX/XXXX : Account information disputed by consumer ( FCRA ) ; Placed for collection XXXX XXXX XXXX - Original Creditor : XXXXXX/XX/XXXX (XX/XX/XXXX XX/XX/XXXX ) Balance : {$2100.00} Open Date : XX/XX/XXXX Status :XX/XX/XXXXXX/XX/XXXX : Account information disputed by consumer ( FCRA ) ; Placed for collection XXXX XXXX XXXX - Original Creditor : XXXXXX/XX/XXXX ( XXXX XXXX ) Balance : {$3800.00} Open Date : XX/XX/XXXX Status : XX/XX/XXXX : Account information disputed by consumer ( FCRA ) ; Placed for collection Details of the Complaint Lack of Verification I have made several written and verbal requests to both XXXX XXXX XXXX and TransUnion for validation of these debts. Specifically, I requested : Documentation from the original creditors (XX/XX/XXXX and XXXX Bank ) verifying the debt amount, payment history, and the transfer of the debt to XXXX XXXX XXXX. 

Proof of a contractual agreement that establishes my liability for these debts. 

To date, neither XXXX XXXX XXXX nor TransUnion has provided the requested information, which constitutes a violation of my rights under : 15 U.S.C. 1681g ( a ) ( 1 ) : Right to receive all information in my file.

15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to investigate and respond to disputes.

Reporting Inaccuracies I have identified multiple discrepancies in how these accounts are reported across the credit bureaus : Account balances, open dates, and remarks are inconsistent.

Remarks fail to clarify whether prior disputes have been resolved or are still under investigation. 

TransUnions Violations TransUnions handling of my disputes violates the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of disputed information within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 2 ) : Failure to notify furnishers of disputes in a timely manner. 

Potential Duplicate Reporting The XXXXXX/XX/XXXX accounts for XXXX XXXX XXXX and XXXX XXXX share similar details but differ in amounts. This raises concerns about duplicate or erroneous reporting, further impacting the accuracy of my credit file. 

Request for CFPB Intervention I am seeking the CFPBs assistance to : Ensure that XXXX XXXX XXXX and TransUnion provide complete and accurate validation of these accounts. 

Require deletion of these accounts from my credit file if validation can not be provided. 

Investigate TransUnions compliance with the FCRA and impose penalties for any violations. 

Enclosures To support my complaint, I have enclosed : Copies of prior correspondence requesting validation. 

Highlighted credit report entries showing the disputed accounts. 

Proof of identity and address. 

Thank you for your attention to this matter. I trust the CFPB will ensure my rights are upheld and hold XXXX XXXX XXXX and TransUnion accountable for their obligations under federal law. 

Sincerely, XXXX XXXX