Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX Washington, D.C. XXXX Subject : Formal Complaint Against TransUnion for Failure to Remove Unauthorized and Fraudulent Inquiries and Accounts from My Credit Report Dear Sir/Madam , I am filing a formal complaint against TransUnion regarding inaccurate, unauthorized, and potentially fraudulent information on my credit report. I have made multiple attempts to have these issues corrected, but TransUnion has failed to investigate and remove the erroneous data, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Summary of Issues : 1. Unauthorized Inquiries : Several credit inquiries on my credit report appear to have been made by entities without my authorization, including : o ( XXXX ) XXXX ( XX/XX/XXXX ) o ( XXXX ) XXXX ( XX/XX/XXXX ) o ( XXXX ) XXXX ( XX/XX/XXXX ) o XXXX XXXX on XX/XX/XXXX These inquiries were neither authorized by me nor linked to any applications or requests for credit. 
2. Inaccurate and Fraudulent Accounts : o XXXX XXXX XXXX : This account, opened on XX/XX/XXXX, reports a balance of {$580.00} with a collection status. I have disputed this account with TransUnion, but it remains unresolved. 
o XXXX XXXX XXXX XXXXXXXX : An account with a balance of {$980.00} has been listed on my credit report, but I do not recognize or authorize this account. 
o XXXX XXXX : An account marked as " Paid in Full '' from XX/XX/XXXXXXXX  is incorrectly reported as a charge-off, despite the fact that I made a payment in full. It remains a negative mark, which is inaccurate. 
3. Failure to Investigate : Despite my disputes and request for correction, TransUnion has failed to investigate these issues within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). This is a violation of my consumer rights under 15 U.S.C. 1681i.

Legal Basis : Under the FCRA ( 15 U.S.C. 1681-1681x ), I am entitled to : 1. Accuracy of Information : Section 1681e ( b ) requires that credit reporting agencies like TransUnion maintain reasonable procedures to ensure the accuracy of the information reported.

2. Right to Dispute : Section 1681i provides me the right to dispute inaccuracies in my credit report, and TransUnion is required to investigate these disputes in a timely manner, typically within 30 days.

3. Fraud Protection : Under 15 U.S.C. 1681c-2, I have the right to request a fraud alert to protect my credit from unauthorized inquiries. A fraud alert has already been placed on my report, but the unauthorized inquiries still persist.

The repeated failure of TransUnion to remove these unauthorized inquiries and inaccurate accounts is in direct violation of the Fair Credit Reporting Act, specifically Section 1681e ( b ) and Section 1681i.

Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure TransUnion complies with my rights under the FCRA. Specifically, I am asking for the following : 1. The immediate removal of all unauthorized credit inquiries from my credit report.

2. The removal or correction of all incorrect accounts, including those from XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. 
3. TransUnion should be held accountable for their failure to investigate these discrepancies within the required 30-day period, as mandated by the FCRA.

Conclusion : This situation has caused significant distress and potential harm to my financial well-being. I ask that your office promptly intervene and assist in ensuring that my credit report is corrected and brought into compliance with the law. 
Thank you for your attention to this important matter. Please keep me informed of any progress or actions taken regarding this issue. 
Sincerely, XXXX XXXX XXXX