Product: Credit reporting or other personal consumer reports

Dear CFPB Complaint Resolution Team, I am filing this second complaint regarding TransUnions continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and their apparent bad-faith handling of my disputes. Despite clear evidence of inaccuracies, unverifiable items, and multiple violations of federal law, TransUnion has failed to take appropriate corrective actions and appears to be intentionally stalling resolution.

Overview of Violations Failure to Conduct a Reasonable Reinvestigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : TransUnion is obligated to conduct a reasonable reinvestigation of all disputed items. Instead, they falsely claimed that certain disputed items were not present on my credit report at the time of their review. This baseless response demonstrates either willful negligence or an intent to mislead.

Failure to Verify or Provide Documentation ( FCRA 1681i ( a ) ( 6 ) ( B ) ) : TransUnion has not provided any records, evidence, or documentation used to verify the disputed information, as required by federal law. Their failure to supply this information is a violation of my rights under the FCRA. 

Failure to Remove or Correct Unverifiable Items ( FCRA 1681i ( a ) ( 5 ) ( A ) ) : TransUnion has continued reporting disputed items that they can not verify with proper documentation. Any unverifiable information must be removed immediately. 

Failure to Ensure Maximum Accuracy ( FCRA 1681e ( b ) ) : TransUnion is required to ensure the maximum possible accuracy of my credit report. Their continued reporting of incorrect personal information, unauthorized inquiries, and disputed accounts directly violates this obligation. 

Unauthorized Access to My Credit Report ( FCRA XXXX ) : XXXX XXXXXXXX accessed my credit report XXXX times via unauthorized soft inquiries between XX/XX/XXXX and XX/XX/XXXX without my knowledge or consent. These inquiries were made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These soft inquiries lack permissible purpose under FCRA 604 and were conducted without my authorization, constituting repeated violations of federal law.

Willful and Negligent Noncompliance ( FCRA 616, 617 ) : TransUnions repeated failure to comply with the FCRA constitutes willful and negligent noncompliance. For each violation, I am entitled to statutory damages of up to {$1000.00}, in addition to actual damages.

Specific Disputed Items The following items remain inaccurate, unverifiable, or unauthorized on my credit report despite my dispute : Soft Inquiries : XXXX unauthorized soft inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Personal Information : Outdated and incorrect addresses, phone numbers, and employment information. 
Legal Obligations and Violations TransUnion is required to take the following actions under federal law : Conduct a Thorough Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : Perform a reasonable reinvestigation into all disputed items, including direct communication with data furnishers, and provide a thorough explanation of their findings.

Provide Verification Documentation ( FCRA 1681i ( a ) ( 6 ) ( B ) ) : Supply all records, documents, and evidence used to verify disputed items, as well as the names of individuals/entities contacted during their investigation.

Remove or Correct Unverifiable Items ( FCRA 1681i ( a ) ( 5 ) ( A ) ) : Any item that can not be verified must be removed or corrected immediately.

Ensure Maximum Accuracy ( FCRA 1681e ( b ) ) : Maintain maximum accuracy in all reported items, ensuring they are correct, complete, and not misleading.

Prevent Reappearance of Deleted Items ( FCRA 1681c ( f ) ) : Guarantee that deleted items will not reappear on my credit report unless verified in compliance with FCRA.

Compensate for Violations ( FCRA 616, 617 ) : Provide statutory damages of {$1000.00} for each violation of the FCRA, in addition to any actual damages caused by TransUnions negligence and willful noncompliance.

Supporting Documentation To support this complaint, I have attached : Copies of my dispute letters sent to TransUnion.

Documentation of TransUnions inadequate and misleading responses.

A copy of my credit report with disputed items clearly highlighted.