Product: Credit reporting or other personal consumer reports

CFPB Response to TransUnion Case Number : XXXX Consumer : XXXX XXXX Date : XX/XX/XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Subject : TransUnions Continued Violations, Re-Reporting of Deleted Alleged Late Payments, and Consumer Law Violations To Whom It May Concern, I am formally escalating my complaint against TransUnion for their failure to remove all disputed items that still remain, their unlawful re-reporting of previously deleted alleged late payments, and their violations of federal and state consumer protection laws. Their actions have caused me actual damages, including credit denials, increased financial burdens, and additional harm identified in my previous complaints as well as newly relevant damages.

1. Additional Consumer Law Violations for Alleged Late Payments A. Reporting Alleged Late Payments Constitutes Unauthorized Advertising Credit reporting is not just a record-keeping toolit is a form of advertising consumer financial transactions to lenders, insurers, employers, and other third parties. When alleged late payments are reported : They influence lending decisions, affecting credit approvals, interest rates, and financial terms.

They are viewed by third parties without consumer consent.

They financially harm consumers, even if the information is false, inaccurate, or disputed.

Since TransUnion profits from selling consumer credit data, they are commercializing and advertising my private financial experiences without my consent. This constitutes a violation of consumer privacy laws and advertising regulations.

B. Violations of Federal and State Consumer Protection Laws Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681b Unauthorized Disclosure : Credit bureaus can not furnish a credit report to third parties without a permissible purpose.

1681i ( a ) ( 5 ) ( B ) Prohibition on Re-Reporting Deleted Information : Credit bureaus can not reinsert previously deleted information.

1681s-2 ( a ) ( 1 ) Duty to Report Accurate Information : Credit bureaus must not report false or misleading credit data, including unverified alleged late payments.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Prohibits False or Misleading Credit Reporting : Reporting alleged late payments to pressure a consumer into paying disputed debts is a deceptive practice.

Credit bureaus must not misrepresent financial transactions or experiences to third parties.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 6801 Financial Privacy : Credit bureaus must protect consumer data from unauthorized disclosure.

Reporting alleged late payments is a public disclosure of financial transactions without consumer consent. 
New York SHIELD Act ( XXXX XXXX XXXX XXXX XXXX ) Prohibits unauthorized disclosure of financial data for NY residents.


Requires companies to implement safeguards to prevent unlawful reporting of financial data. 2. Accounts and Items That Still Remain to Be Removed The following inaccurate, fraudulent, and unauthorized accounts must be permanently removed : XXXX XXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. 
XXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. 
XXXX XXXX XXXX XXXX  ( Charge-Off Account ) Wrongfully verified. I demand full documentation of the charge-off or immediate deletion. 
XXXX XXXX XXXX  Wrongfully verified. I demand full documentation or immediate deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX ( Public Record ) Must be deleted. 
All Remaining Disputed Inquiries and Addresses 3. Violations That Have Caused Me Actual Damages As a direct result of TransUnion 's misconduct, I have suffered actual damages, including : Credit denials due to false reporting.

Increased financial burdens due to higher interest rates.

Harm to creditworthiness and consumer trust.

Emotional distress and undue hardship caused by willful non-compliance.

4. Relevant Case Law Supporting My Claims XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) Credit bureaus must conduct reasonable investigations and can not rely solely on furnishers ' automated verifications. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Credit bureaus must ensure the accuracy of

reported information. Harming consumers with false information is a violation of federal law. 5. Immediate Demands for Action Permanently delete all remaining disputed accounts, inquiries, and public records listed above.

Immediately delete the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  alleged late payments, as they were illegally reinserted.

Provide full documentation for any verified accounts, including signed agreements and proof of ownership.

Cease and desist from further reporting or advertising my personal financial data without my explicit authorization.

If TransUnion fails to comply, I will escalate this matter to the New York Attorney General, the Federal Trade Commission ( FTC ), and additional legal action. I expect compliance within 15 days, as required under the FCRA.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX