Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Repeated FCRA Violations and Mishandling of Fraudulent Account Disputes Dear CFPB Team, I am filing a formal complaint against TransUnion for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in relation to a fraudulent account reported by XXXX XXXX XXXX XXXX with a balance of {$130.00}. Despite overwhelming evidence proving this account does not belong to me, TransUnion has failed to permanently remove it from my credit report. 

This account has been disputed multiple times, and while it has been temporarily removed, TransUnion continues to reinstate it without providing valid justification. Their latest response blatantly misrepresents the facts and demonstrates a gross failure to comply with their legal obligations under the FCRA. 

Details of the Case : 1. Fraudulent nature of the account : I have never held any accounts with XXXX XXXX XXXX XXXX, nor have I ever authorized such an account to be opened in my name. 
The account is clearly fraudulent, and this has been supported by : An FTC Identity Theft Report. 
A Police Report, explicitly detailing the fraudulent nature of the account. 
2. Repeated mishandling by TransUnion : Despite submitting multiple disputes with all necessary supporting documents, TransUnion has temporarily removed the account only to later reinstate it, citing vague and unsubstantiated reasons. 
Their latest response falsely claims that the account reflects a history of previous payments or was opened prior to when the fraud was reported, neither of which is accurate or supported by any valid evidence. 
XXXX. Compliance by other credit bureaus : Both XXXX and XXXX have permanently removed this fraudulent account after reviewing the same evidence. TransUnions refusal to do the same demonstrates negligence and non-compliance with federal regulations. 

Violations of Federal Laws by TransUnion : 1. Section 605B ( Blocking of Fraudulent Information ) : Under this section, TransUnion is required to block fraudulent information upon receiving an FTC Identity Theft Report and a Police Report. Their repeated failure to comply with this legal obligation is a direct violation of the FCRA. 
2. Section 611 ( Dispute Process ) : TransUnions repeated failure to permanently remove this fraudulent account demonstrates negligence in their obligation to investigate disputes and ensure the accuracy of reported information. 
3. Section 623 ( Responsibilities of Furnishers ) : XXXX XXXX XXXX XXXX, the furnisher of this information, has not provided valid evidence to support their claim. Despite this, TransUnion continues to report the fraudulent account. 

Impact on Me : TransUnions repeated reinstatement of this fraudulent account has caused : Significant damage to my credit score, negatively affecting my ability to access credit on fair terms. 
Ongoing financial and emotional distress, as I am forced to repeatedly address the same fraudulent issue. 
Wasted time and resources spent resolving a matter that should have been permanently addressed after my initial dispute. 

Demand for Immediate Action : I respectfully request CFPB to : 1. Investigate TransUnions handling of my disputes and their repeated failure to comply with the FCRA.

2. Mandate the permanent removal of this fraudulent account from my credit report. 
XXXX. Impose financial and legal penalties on TransUnion for their willful non-compliance with federal regulations. 

Legal Consequences for TransUnion : If TransUnion fails to take immediate corrective action, I reserve the right to pursue legal remedies under the FCRA, including : Filing a lawsuit under Sections 616 and 617, seeking statutory damages of up to {$1000.00} per violation, punitive damages for willful non-compliance, and compensation for the financial and emotional harm caused by their negligence.

I am prepared to provide the following : An FTC Identity Theft Report.

A Police Report explicitly detailing the fraudulent nature of the account. 
Evidence of permanent removal of the account by XXXX and XXXX. 
TransUnions latest response, which demonstrates their failure to address the dispute in good faith and in compliance with the FCRA. 

Conclusion : TransUnions actions demonstrate a gross disregard for federal laws designed to protect consumers. Their repeated reinstatement of a fraudulent account, despite clear evidence of its invalidity, is unacceptable. I trust CFPB to hold them accountable and ensure this fraudulent account is permanently removed from my credit report.