Product: Credit reporting or other personal consumer reports

Subject : Unlawful Reporting of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of FCRA & FDCPA To Whom It May Concern, I am filing a formal complaint against TransUnion, XXXX, and XXXX for their unlawful reporting of the following fraudulent and invalid collection accounts : XXXX. XXXX XXXX XXXX Account This account was previously disputed and determined to be unverifiable, inaccurate, and unlawfully assigned. 
XXXX XXXX has attempted to reassign the same invalid debt to XXXX XXXX XXXX XXXX XXXX and now to XXXX XXXX XXXX. 
Despite being informed of this, TransUnion and XXXX continue to report this fraudulent account, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX XXXX XXXX Collection Account Account Number : XXXX ( XXXX ), XXXX ( TransUnion ) Agency Name : XXXX XXXX XXXX  Date Assigned : XX/XX/year> Original Balance : {$770.00} Current Balance : {$770.00} Status : Collection Account, Account Seriously Past Due This XXXX XXXX account was reported without my authorization or consent. I have never conducted business with XXXX XXXX nor have I agreed to any outstanding debt with this entity. This is an unauthorized collection account, and its reporting constitutes fraudulent and deceptive practices. 

Violations Committed by TransUnion, XXXX, and XXXX XXXX. Failure to Conduct a Reasonable Investigation ( FCRA Violations ) Despite my prior disputes, TransUnion, XXXX, and XXXX have failed to conduct a lawful reinvestigation of these accounts, violating : FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Credit bureaus must conduct a reasonable reinvestigation of disputed information.

FCRA Section 623 ( b ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ) They must ensure the accuracy of reported information.

FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) If an account can not be verified, it must be permanently deleted. 

XXXX. Unlawful Re-Aging of Debt A Willful Violation of the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are illegally re-aging these debts by : Reassigning or transferring the same disputed debt to new collection agencies. 
Resetting the delinquency date to restart the seven-year reporting period. 
This is a clear violation of FCRA Section 605 ( c ) ( 15 U.S.C. 1681c ( c ) ), and the credit bureaus are complicit in allowing this practice to continue. 

Formal Demand for Immediate Action To avoid further legal consequences, I demand that TransUnion, XXXX, and XXXX : XXXX. Immediately delete the XXXX XXXX and XXXX XXXX XXXX  accounts from my credit reports. 
XXXX. Provide written documentation confirming their permanent removal. 
XXXX. Confirm that these accounts will not be reinserted in the future. 
XXXX. Provide all communications between TransUnion, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX regarding these accounts. 

Notice of Regulatory & Legal Action If this matter is not resolved within 10 business days, I will : File an official complaint with the FTC, CFPB, and FCC for regulatory investigation into your fraudulent dispute handling practices. 
Pursue legal action against TransUnion, XXXX, and XXXX for willful and negligent FCRA violations under 15 U.S.C. 1681n & 1681o, seeking : Statutory damages of {$1000.00} per violation. 
Actual damages for financial harm caused by your negligence. 
Punitive damages for reckless disregard of federal law. 
Initiate legal claims against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX for FDCPA violations. 

Final Warning This is your final notice. Failure to comply will result in immediate escalation to federal regulatory agencies, litigation, and public exposure of your unlawful and deceptive credit reporting practices. 

I expect a response confirming full deletion of these accounts within 10 business days.