Product: Credit reporting or other personal consumer reports

Update to My Ongoing Complaint This is an update to my ongoing complaint regarding two fraudulent XXXX accounts that remain on my TransUnion credit report. After three years of filing disputes, XXXX  and CFPB complaints, and receiving no meaningful responses, I finally spoke with a XXXX representative, XXXX XXXX, following a BBB complaint. 

XXXX XXXX, who has worked at XXXX for 35 years, confirmed that XXXX does not report what they are reporting, she spoke to them as well and believes these fraudulent accounts may be coming from a scam company. She also stated that the fact these accounts are only appearing on XXXX not XXXX or XXXX a clear sign of fraud. And she also stated that this has nothing to do with XXXX. 

TransUnion has never provided proof of what company they are allegedly contacting for verification. Despite overwhelming evidence proving these accounts are fraudulent, TransUnion refuses to remove them permanently. 

I will include the recorded call from XXXX, my XXXX complaint, and all email correspondence related to this issue. ( the audio may be a little in an out but it is there and I will also include the longevity of the call and her number as well. ) and the email she contacted me from and when she updates the XXXX  complaint and send my email I will also send this in again as what my XXXX proof of evidence that it is not me. I have also included in previous disputed the multiple times that I have contacted each person from XXXX with my id theft report and issue with no response, I have also given Transunion the same and every document you can name. I will also upload this to transunion if I can. 

Additionally, XXXX stated that since I briefly worked at a XXXX warehouse for less than two weeks, it is likely that TransUnion is mixing up my employment information with fraudulent data. However, XXXX  is not even listed as an employer on my credit report because my employment there was too short. 

This is not the first time XXXX has stated that they have no record of these accounts. In a previous 2023 XXXX  response, XXXX  confirmed they have no information on these accounts, yet TransUnion still refuses to act.I even contacted every single person by email and phone and did not get any response so I am confused as to where Transunion is finding any of this valid? 

Despite clear confirmation that these accounts are fraudulent, TransUnion continues to re-add them, change their status between collections and charge-off, and fail to provide any proof of their verification process. 

I have submitted every legal document imaginable to TransUnion, including : Government-issued ID Birth Certificate Passport Bank Statements Identity Theft Reports directly from the Federal Trade Commission ( FTC ) ( from XXXX ) Police Reports Despite this, TransUnion continues to ignore my legal rights and refuses to take appropriate action.

I have been disputing two fraudulent XXXX  accounts on my TransUnion credit report for over three years. 

These accounts have been removed and re-added multiple times without proper verification. TransUnion keeps changing their status between collections and charge-off to manipulate the statute of limitations, further damaging my credit score. Each time TransUnion re-adds the accounts, the status or payment history changes, yet TransUnion refuses to properly investigate or remove them permanently. 

As a result, my credit score has dropped by 80 points and continues to negatively impact my ability to obtain : Credit Housing ( I have been denied apartments ) Auto financing ( I have been unable to purchase a vehicle ) Financial stability While I am only XXXX XXXX XXXX never being able to do anything over something that is not mine and happened possibly before I was even XXXX XXXX XXXX. 

XXXX refusal to act violates multiple federal and state consumer protection laws. 

Violations of XXXX XXXX XXXX. Fair Credit Reporting Act ( FCRA ) Violations XXXX ( XXXX XXXX. XXXX ) Failure to Conduct a Proper Investigation TransUnion is legally required to conduct a reasonable investigation of disputed accounts and notify me of their findings. Instead, they continue to re-add fraudulent accounts without verification. 
XXXX ( XXXX XXXX. XXXX ) Duty to Report Accurate Information TransUnion has knowingly reported false and misleading information by keeping these fraudulent accounts on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) Manipulation of Credit Reporting Periods Changing account statuses to manipulate the reporting period and statute of limitations is illegal under the FCRA. 
XXXX ( XXXX ) XXXX to XXXX XXXX on Fraudulent Transactions I have the legal right to obtain documentation proving I authorized these accounts. 
TransUnion has provided nothing. 
XXXX XXXX XXXX XXXX Blocking Information Resulting from Identity Theft Once a valid identity theft report is provided, credit bureaus must block fraudulent information within XXXX business days. 
TransUnion has failed to comply.

2. Federal Trade Commission Act ( FTC Act ), Section XXXX XXXX XXXX XXXX and Deceptive Practices TransUnions failure to properly investigate disputes and refusal to remove fraudulent accounts despite clear evidence constitutes an unfair and deceptive business practice in violation of the FTC Act.

3. Identity Theft and Assumption Deterrence Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX ) XXXX refusal to act despite clear evidence of identity theft violates federal identity theft protections under XXXX. 

4. Fair and Accurate Credit Transactions Act ( XXXX XXXX XXXX XXXX XXXX. XXXX & XXXX ) Fraud Alerts & Credit Freezes : I have the right to place fraud alerts or freezes to prevent further fraudulent activity. 
Failure to Correct Inaccuracies : TransUnion has failed to remove fraudulent accounts, violating XXXX. 

Violations of Illinois XXXX XXXX XXXX. Illinois XXXX XXXX and Deceptive Business Practices Act XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) TransUnions refusal to investigate, provide verification, or remove fraudulent accounts violates Illinois laws against deceptive business practices. 

2. Illinois Identity Theft Law ( XXXX XXXX XXXXXXXX ) This law grants identity theft victims the right to have fraudulent information corrected. 
XXXX failure to remove these accounts is a direct violation. 

Additional Evidence These fraudulent accounts only appear on my TransUnion reportnot on XXXX or XXXX. 
I have provided police reports, identity theft reports, government documents, and bank statements, yet TransUnion refuses to act and continuously disregards valid documentation. 
I have had multiple fraudulent accounts removed from my credit report, including XXXX and XXXX XXXX. 
These companies investigated and confirmed fraudyet TransUnion refuses to do the same. 
My personal information was exposed in the XXXX data breach and reported on the dark web, increasing the likelihood of identity theft. 
These accounts were opened while I was out of the country. 

Request for Immediate Action I am requesting that the CFPB immediately enforce compliance with federal and state consumer protection laws. Specifically, I demand the following : 1. Permanent Removal : TransUnion must permanently remove the fraudulent XXXX accounts from my credit report.

2. Investigation & Proof : TransUnion must provide documentation verifying how these accounts were opened.

3. Cease Negative Reporting : TransUnion must stop re-adding these accounts and manipulating the statute of limitations.

4. Legal Compliance : The CFPB must ensure that TransUnion complies with all applicable laws. 
5. Transparency : TransUnion must disclose their verification process for these accounts. 

This situation has caused severe financial hardship. XXXX refusal to remove fraudulent accounts, despite overwhelming proof, is a blatant violation of my rights. 

I urge the CFPB to take swift action and hold TransUnion accountable.