Product: Credit reporting or other personal consumer reports

TransUnion LLC Attn : Consumer Disputes XXXX XXXX XXXX XXXX, PA XXXX Subject : Response to Dispute and Notice of FCRA and XXXX Violations Dear Sir/Madam, I am writing in response to your letter dated XX/XX/XXXX and XXXX, XXXX, regarding my dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), 5564, and 5565. After reviewing your response, I must express that TransUnions handling of my dispute has not been in compliance with both the FCRA and CFPA, which has resulted in several violations on your part.

Specifically, TransUnion has failed to : 1. Reasonably Reinvestigate Consumer Disputes : TransUnion did not conduct a thorough and reasonable reinvestigation of my dispute, especially with respect to the accuracy or completeness of the information in my consumer report. As per the FCRA, TransUnion is required to investigate disputes thoroughly and resolve them within the legally defined time frame. This reinvestigation did not meet these standards. 
2. Forward All Relevant Information to Furnishers : As per FCRA guidelines, you are obligated to forward all relevant information regarding disputes to the original furnishers of the information. TransUnion has failed to do so, leaving critical data unaddressed during the dispute process.

3. Provide Adequate or Accurate Notice to Consumers of the Outcome of Disputes : The notice provided to me about the outcome of my dispute was inadequate, as it did not clearly explain how the investigation was conducted or why the decision was made.

4. Utilize Reasonable Procedures to Ensure Accuracy : TransUnion failed to utilize reasonable procedures to ensure the accuracy and completeness of the information in my consumer file. I expect that, under the FCRA, you ensure all information on my report is thoroughly accurate and up to date. 
Additionally, I want to bring attention to the fact that TransUnion has not followed the necessary protocol for contacting third-party collectors and confirming that they are in compliance with the latest legal interpretation regarding consumer reporting. This failure to act has led to significant concerns about the accuracy and legality of information provided to debt collectors.

I remind you that, as per your contractual obligations, TransUnion is required to comply with the law, specifically the rules regarding when a third-party collector can obtain a consumer report. As a collector of delinquent child support debt, judgments, fines, or liens, the following conditions must be met for accessing consumer reports : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or A contractual agreement with the consumer that rises to the level of a credit transaction under law. 
As set forth in the case law, such as Kevin D. Miller v. Trans Union LLC, et al., Case 1:06-cv-02883, XX/XX/XXXX ( XXXX Illinois ) and Kenneth McCready v. Linebarger Goggan Blair & Sampson , LLP , Case 06 C 4884, 8/15/2007 ( N.D. Illinois ), these regulations are well established, and TransUnion has failed to ensure its adherence to the requirements of the law in this matter. 
The account in question is Account # XXXX. ** I request that you immediately rectify these violations, fully comply with the FCRA and CFPA, and provide a complete and accurate response regarding my dispute. Please also provide me with an updated report reflecting any corrections or changes made to my file as a result of your reinvestigation. 
If you fail to address these concerns within the required timeframe, I will be forced to consider further legal action and file a complaint with the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX