Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX  XXXX XXXX ( XXXX  ) Subject : Formal Dispute Against TransUnion for Inaccurate Credit Reporting, Unauthorized Inquiries, and Data Misuse To Whom It May Concern, I am submitting this formal dispute against TransUnion regarding multiple inaccurate items on my credit report, which have not been properly addressed despite my previous dispute through the Consumer Financial Protection Bureau ( CFPB ). These inaccuracies include unauthorized credit inquiries, illegitimate charge-offs, and a false foreclosure entry. Additionally, recent legal actions against TransUnion raise concerns about their handling of my personal data, which may directly impact my case.

1. Unauthorized Credit Inquiries TransUnion has reported seven to ten unauthorized inquiries on my credit report that I did not authorize. These inquiries are invalid because : The associated accounts do not appear on my credit report. 
I did not authorize these inquiries. 
The entities responsible for these inquiries have not provided any contractual agreement or permissible purpose. 
This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that a consumer reporting agency may not furnish a consumer report without permissible purpose.

2. Illegitimate Charge-Off Accounts Without 1099-C Issuance My credit report contains five to six charge-off accounts that have been sold to third-party collectors. These charge-offs are problematic because : The original creditors have not issued a 1099-C Cancellation of Debt form, which is legally required if they claimed the debt as a charge-off for tax purposes.

If the charge-off was legitimate, then the creditor benefited by writing off th
e debt, while I was never issued proper tax documentation to reflect the discharge of liability.

These charge-offs remain on my credit report despite the fact that the debts have been transferred to third parties who were never part of the original contract.

This reporting is both inaccurate and misleading, as it falsely represents an obligation that should have been discharged. The failure to issue a 1099-C while still claiming a charge-off constitutes unjust enrichment and fraudulent reporting under federal tax and consumer protection laws. 

3. False Foreclosure Entry Conflicting Information from XXXX XXXX and County Records TransUnion has reported two conflicting foreclosure dates on my credit report related to my property : XXXX XXXX is currently claiming that they sold my property in XX/XX/XXXX. 
However, my credit report states that the foreclosure sale took place in XX/XX/XXXX. 
When I contacted the county records office, they verified that no foreclosure sale ever took place and that the last recorded transaction on this mortgage was the reconveyance of the property to my trust, the XXXX XXXX XXXX XXXX XXXX. 

TransUnions reporting of a foreclosure sale that never occurred is a blatant violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, which requires consumer reporting agencies to properly verify reported information. Additionally, the conflicting dates provided by TransUnion and XXXX XXXX demonstrate a failure to ensure accuracy in their reporting, which has caused significant financial and legal harm. 

4. Data Misuse and Recent Legal Actions Against TransUnion Recent legal settlements indicate systemic failures in XXXX data accuracy and reporting practices, which may have directly impacted my credit report : In XX/XX/XXXX, the FTC and CFPB settled with TransUnion for {$15.00} XXXX over allegations that it failed to ensure accuracy in tenant screening reports, including reporting inaccurate or incomplete eviction records that harmed consumers. ( ftc.gov ) In XX/XX/XXXX, a TransUnion subsidiary agreed to pay {$37.00} XXXX to resolve claims of data misuse, where personal consumer data was allegedly misused beyond its intended purpose. ( news.bloomberglaw.com ) Given TransUnions documented history of failing to maintain accurate records and properly handle consumer data, I have reason to believe that their mismanagement has directly resulted in the inaccuracies on my credit report. 
Requested Resolutions I am demanding immediate corrective action : 1. Permanent deletion of all unauthorized inquiries from my credit report.

2. Removal of all charge-off accounts that were not properly issued 1099-C forms and have been sold to third parties.

3. Immediate removal of the inaccurate foreclosure entry, as county records confirm that no foreclosure occurred and the property was reconveyed to my trust.

4. A full reinvestigation of all disputed items, in compliance with the FCRA.

5. A detailed report outlining the steps taken by TransUnion to rectify these issues. 

If TransUnion does not take immediate corrective action, I will be forced to pursue legal remedies, additional regulatory complaints, and potential litigation for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 

I request that the CFPB, FTC, and XXXX  investigate these ongoing violations and hold TransUnion accountable for their failure to correct these clear errors. Please provide a written response confirming the actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX