Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to properly investigate my credit disputes, reporting inaccurate and unverifiable information, and violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). These errors have severely impacted my financial standing, and TransUnions negligence in addressing these disputes is unacceptable.

Issues in My Complaint : 1. Failure to Conduct a Proper Investigation on Disputed Accounts Issue : I submitted disputes regarding inaccurate, unverifiable, and outdated accounts on my credit report. TransUnion failed to conduct a proper reinvestigation within the legally required 30-day period, instead continuing to report incorrect and unverified information.

Legal Violation : FCRA 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation into any disputed information within 30 days. TransUnions failure to do so violates this federal law.

2. Failure to Provide Documentation Supporting Negative Account Reporting Issue : I requested verification of multiple negative accounts, but TransUnion failed to provide any concrete evidence proving the accuracy of these items : XXXX XXXX XXXX ( {$7300.00} Charge-Off ) Unverified Charge-Off CNS Port Services ( {$15000.00} Charge-Off ) Inconsistent Reporting XXXX XXXX  ( Charge-Off ) Conflicting Account Status Kikoff Lending ( Charge-Off ) Unverified Balance Discrepancy XXXX XXXX & XXXX XXXX  False Late Payments Reported Legal Violation : FCRA 1681e ( b ) requires credit bureaus to maintain maximum possible accuracy, which TransUnion failed to do by reporting unverifiable information.

3. Refusal to Remove Outdated and Inaccurate Information Issue : TransUnion is still reporting negative items that should have been removed, either due to errors, outdated reporting, or failure to verify upon dispute.

Legal Violation : Under FCRA 1681c ( a ) ( 4 ), charge-offs and other negative marks must not be reported longer than legally allowed timeframes unless they are verified. TransUnion has refused to remove such items.

4. Negligence in Protecting My Consumer Rights Issue : TransUnions refusal to delete inaccurate information suggests willful noncompliance with FCRA, which is subject to legal action.

Legal Violation : Under FCRA 1681n, any willful noncompliance can lead to civil penalties, statutory damages, and attorneys fees if a consumers rights are violated.

Requested Actions & Resolution : I demand the following corrective actions from the CFPB : 1. Require TransUnion to conduct an immediate reinvestigation and provide written documentation proving the accuracy of all disputed items.

2. Order TransUnion to delete all unverified negative accounts from my credit file.

3. Impose regulatory penalties for FCRA violations, including fines for failure to investigate disputes properly.

4. Ensure TransUnion updates my credit file and removes outdated information per FCRA guidelines.

Conclusion : TransUnions failure to investigate disputes, verify account accuracy, and comply with federal consumer protection laws has harmed my credit standing. If this matter is not resolved, I will pursue legal action against TransUnion under FCRA 1681n for willful violations. 

I demand an immediate investigation and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX