Product: Credit reporting or other personal consumer reports

Subject : Final Notice Demand for Deletion of Fraudulent Bankruptcy & FCRA Violation Warning To Whom It May Concern, I am writing to formally demand immediate deletion of the fraudulent bankruptcy that TransUnion has repeatedly and wrongfully verified on my credit file.

This bankruptcy does not belong to me, and your continued reporting of this inaccurate information violates multiple provisions of the Fair Credit Reporting Act ( FCRA ).

FCRA Violations Identified 1 Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Investigation You failed to conduct a reasonable investigation into my dispute. 
I provided clear proof that no bankruptcy exists in my name, including : My XXXX and XXXX reports showing no bankruptcy A statement from the XXXX XXXX XXXXXXXX confirming that they do not report bankruptcies to credit bureaus If TransUnion relied solely on third-party databases ( e.g., PACER or XXXX ) without direct court verification, this does not constitute a reasonable investigation. 
DEMAND : Provide documentation proving that TransUnion directly contacted the XXXXXXXX XXXX XXXXXXXX for XXXXXXXX XXXX to verify this record. If no such contact was made, you must delete the bankruptcy immediately. 
2 Violation of FCRA 611 ( a ) ( 7 ) Failure to Provide Method of Verification Under FCRA 611 ( a ) ( 7 ), I have the legal right to request the exact method of verification used to confirm this bankruptcy.

This includes : The name, address, and direct contact of the entity verifying the bankruptcy A copy of the documentation used to verify the bankruptcy DEMAND : Provide the Method of Verification within 15 days or immediately delete this inaccurate public record.

3 Violation of FCRA 1681k ( a ) Improper Public Record Reporting TransUnion is legally required to either : Notify me at the time of reporting the bankruptcy OR Maintain strict procedures to ensure the record is accurate and directly sourced from the court Since the court has confirmed they do not report bankruptcies directly, your reporting is not sourced correctly and must be deleted.

DEMAND : Provide proof that TransUnion notified me when this bankruptcy was placed on my credit report. If you can not, delete the bankruptcy immediately.

4 Violation of FCRA 1681e ( b ) Failure to Maintain Maximum Possible Accuracy The FCRA requires TransUnion to ensure that all reported data is accurate. 
Reporting a bankruptcy that does not belong to me violates this requirement. 
Since XXXX and XXXX do not have this bankruptcy on file, your reporting is inconsistent, unreliable, and unlawful. 
DEMAND : Immediately delete this inaccurate bankruptcy from my credit report. 
Final Demand for Deletion or Correction Under FCRA XXXX ( a ) ( XXXX ) ( A ), I demand a formal reinvestigation of this bankruptcy. Within 30 days, you must : Provide documented proof that this bankruptcy belongs to me. 
Delete the bankruptcy immediately if you can not verify it with legally admissible documentation. 
If you fail to comply, I will pursue further legal remedies for damages caused by this false reporting. 
Notice of Intent to File Legal Action & Regulatory Complaints If this inaccurate bankruptcy is not corrected within 30 days, I will immediately : File a complaint with the Consumer Financial Protection Bureau ( CFPB ) File a complaint with my State Attorney Generals Office File a complaint with the Federal Trade Commission ( FTC ) Consult a consumer protection attorney to pursue legal action against TransUnion for willful FCRA violations. 
Under FCRA 616 and 617, I am entitled to : {$1000.00} per violation in statutory damages Punitive damages for willful noncompliance Compensation for defamation, emotional distress, and financial harm I expect a written response no later than [ 30 days from todays date ]. Failure to comply will result in immediate legal and regulatory action. 

Sincerely, XXXX XXXX XXXX