Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like TRANSUNION are required to ensure the maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes. TRANSUNION has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights. 
The following items on my credit report are inaccurate : XXXX XXXX XXXX {$1400.00} I demand that Transunion : 1 . Conduct a complete and thorough investigation of this matter.

2. Correct or delete the inaccurate information immediately.

3. Original Creditor Agreements A copy of the original signed contract or agreement that demonstrates your consent to open and use the account.

Proof that your name, signature, and other identifying details match your information.

4. Account Statements Detailed account statements from the original creditor, showing transactions, balances, and any payments made.

A timeline of the accounts history, from inception to the charge-off date. 5. Proof of Debt Transfer or Sale If the debt was sold to a third party ( e.g., a collection agency ), request documentation proving that the debt was legally transferred, including : The bill of sale or assignment agreement.

A breakdown of the amount owed, including interest, fees, and principal balance.

6. Validation of Debt A debt validation letter showing : The original creditor 's name.

The amount of the debt.

Evidence of how the amount was calculated.

7. Identity Verification Any documents used to associate the debt with you, such as : Copies of identification documents they used ( e.g., SSN, ID, or date of birth ).

Address information linked to the account.

8. Charge-Off Records Documentation explaining how and when the account was charged off.

Verification of compliance with legal and regulatory requirements during the charge-off process.

9. Credit Reporting Documentation Evidence showing that TRANSUNION has verified the account with the creditor.

Confirmation of the date the account was added to your credit report and any subsequent updates.

10. Authorization of Credit Check Proof that you authorized the creditor to check your credit and open the account under your name.

11. Provide me with a copy of the updated credit report reflecting these changes. Please note that failure to address this dispute within the legally required 30 days will result in further action. I trust you will handle this matter promptly and professionally.

These inquiries on my credit report are unauthorized : Request for Verification and Compliance with FCRA Under the Fair Credit Reporting Act ( FCRA ), Section 604, credit inquiries are only permitted with my explicit authorization for a permissible purpose, such as the extension of credit or employment screening. I have not authorized these inquiries, nor do I have any business relationship with the entities listed above.

I am requesting the following actions : 1.

2.

3.

Verification of Authorization TBOM/MILESTO Provide documentation demonstrating that I authorized these credit inquiries, including signed applications or consent forms, the nature of the permissible purpose, and the date the inquiries were made.

Immediate Removal of Unauthorized Inquiries If the requested documentation can not be provided, I demand the immediate removal of these unauthorized inquiries from my credit report.

Notification of Investigation Results Provide written confirmation of the investigation 's findings and a detailed account of actions taken to resolve this issue. 
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