Product: Debt collection

I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted on XX/XX/year>, concerning multiple inaccuracies on my credit report. Despite the legal obligations outlined in the Fair Credit Reporting Act ( FCRA ), TransUnion has failed to respond or correct the disputed items within the 30-day legally mandated period. 

Summary of Disputed Items : Late Payments : Accounts include : XXXXXXXX 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 
I disputed these late payments and requested verification of specific payment receipt dates and due dates to confirm the accuracy of the reported information. TransUnion has not provided any response or verification, as required under the FCRA. 
Unauthorized Hard Inquiries : Hard inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX 
I requested the removal of these unauthorized hard inquiries unless verifiable proof of my consent was provided. No documentation or action has been taken. 
Account Inaccuracies : Accounts include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are incorrectly reported as charge-offs. I requested their immediate correction or deletion. TransUnion has not responded or provided any documentation to support the reporting. 
Collection Accounts : Accounts include : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
I requested the removal of these collection accounts unless verifiable proof of authorization could be provided. No response or correction has been made by TransUnion. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : TransUnion has not completed a reasonable reinvestigation of the disputed items within the required 30-day period. This failure to reinvestigate is a violation of FCRA Section 611 ( a ).

Failure to Provide Verification and Documentation ( FCRA Section 609 ( a ) ) : I requested documentation to support the accuracy of the disputed items, including signed agreements, payment histories, and proof of identity used to open the accounts. TransUnion has not provided any of this information, violating FCRA Section 609 ( a ).

Failure to Correct Account Inaccuracies and Remove Unauthorized Inquiries : XXXX failure to correct account inaccuracies and remove unauthorized inquiries violates the requirement for accuracy under FCRA Section 607 ( b ).

Impact : The unresolved inaccuracies on my credit report have caused : Emotional distress : The stress of having incorrect and unauthorized information on my credit report has caused significant emotional strain and anxiety.

Financial harm : These inaccuracies have resulted in a lowered credit score, denial of credit, and higher interest rates on loans, causing financial loss.

Long-term financial damage : The continued presence of these inaccuracies jeopardizes my ability to meet long-term financial goals, such as securing favorable loan terms and maintaining financial stability.

Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, account inaccuracies, and unauthorized inquiries from my credit report.

Provide detailed documentation verifying the accuracy of the information reported by the original creditors.

Ensure all future responses and documentation are sent via certified mail, as I explicitly requested that electronic responses are not acceptable