Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Credit Bureau XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Subject : Formal Dispute and Demand for Compliance with Consumer Protection Laws To Whom It May Concern, I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address TransUnions failure to comply with federal consumer protection laws. This dispute is in direct reference to the systemic issues highlighted by the Consumer Financial Protection Bureau ( CFPB ) in its enforcement actions against credit reporting agencies, including TransUnion, for failing to properly investigate consumer disputes and maintain accurate credit reports. I want to emphasize that l am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. I expect TransUnion to conduct a thorough, good faith investigation, as required by law, and to avoid engaging in any practices that mirror those outlined in the CFPB complaints. 
It is unacceptable that TransUnion, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies. 
Below, I cite XXXX key federal laws under **15 U.S.C . ** that TransUnion is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. XXXX failure to remove or correct such information violates this provision and harms my creditworthiness. 
2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. XXXX failure to properly investigate disputes and maintain accurate records demonstrates a blatant disregard for this legal obligation. 
3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. XXXX pattern of conducting inadequate or incomplete investigations is a clear violation of this law. 
I demand that TransUnion : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including inadequate investigations.

If TransUnion fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to escalate this matter by filing a formal complaint with the CFPB and pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of XXXX negligence and noncompliance. 
This letter serves as formal notice of my dispute and a demand for immediate action. I expect TransUnion to uphold its legal obligations and protect my rights as a consumer. 
Sincerely, XXXX XXXX XXXX Enclosed is a copy of my previous dispute of which every came back verified. XXXX complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Credit reporting or other personal consumer reports Issue Incorrect information on your report We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT To whom it may concern, Cfpb on XX/XX/XXXX I have disputed with the Credit Bureaus TransUnion, XXXX, and XXXX. Upon receiving the updated reports from the credit bureaus, I noticed that the accounts disputed came back verified. I have sent out request for verification of inaccurate information and have not gotten a response. Pursuant to 15 USC 1681i ( a ) ( 5 ) - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is a clear violation of my consumer protected rights, CFR 1006.34 ( c ) ( 4 ) ( i ) the credit bureaus are violating my consumer rights by using false misleading, misrepresentation and deceptive means. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 

Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian debt verification letter.pdf ( XXXX XXXX ) XXXX ( XXXX XXXX  ) Cancel Child Support XXXX ( XXXX XXXX  ) TransUnion debt verification letter.pdf ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX XXXX Trans Union, LLC.pdf ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX debt verification letter.pdf ( XXXX KB ) XXXX ( XXXX XXXX  ) child support on credit report is illegal.pdf ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Hide full complaint What product or service is your complaint about? 
PRODUCT OR SERVICE Credit reporting or other personal consumer reports TYPE Credit reporting What type of problem are you having? 
Inactive modal Issue Incorrect information on your report Have you already tried to fix this problem with the company? 
Yes Did you request information from the company? 
No Type of Issue Account information incorrect What happened? 
To whom it may concern, Cfpb on XX/XX/XXXX I have disputed with the Credit Bureaus TransUnion, XXXX, and XXXX. Upon receiving the updated reports from the credit bureaus, I noticed that the accounts disputed came back verified. I have sent out request for verification of inaccurate information and have not gotten a response. Pursuant to 15 USC 1681i ( a ) ( 5 ) - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is a clear violation of my consumer protected rights, CFR 1006.34 ( c ) ( 4 ) ( i ) the credit bureaus are violating my consumer rights by using false misleading, misrepresentation and deceptive means. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.

Inactive modal What would be a fair resolution to this issue? 
I demand these accounts be deleted XXXX attachments View uploaded documents by clicking on the file name. Documents that pass virus scanning are typically available within XXXX minutes of upload. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debt verification letter.pdf ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Cancel XXXX XXXX XXXXXXXX ( XXXX XXXX  ) TransUnion debt verification letter.pdf ( XXXX KB ) XXXX ( XXXX KB ) XXXX XXXX Trans Union, LLC.pdf ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX debt verification letter.pdf ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX XXXX on credit report is illegal.pdf ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) XXXX ( XXXX XXXX  ) What company is this complaint about? 
XXXX XXXX TransUnion Consumer Solutions Social Security number ( last XXXX digits ) Date of birth XX/XX/XXXX Name as it appears on credit report XXXX XXXX XXXX What people are involved? 

Your contact information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit # XXXX XXXX, XXXX  XXXX United States Your preferred language XXXX Sent to company Status Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in XXXX  days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working XXXX XXXX response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you XXXX have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( XXXX ) days from the date you submitted your request. 
Company responded XXXX XXXX responded on XX/XX/XXXX Response Type Closed with non-monetary relief XXXX 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately XXXX business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX-VERIFIED AS REPORTED CREDIT FIRST XXXX XXXX XXXX XXXX BANK-VERIFIED AS REPORTED XXXX  XXXX XXXX/ XXXX XXXX-VERIFIED XXXX XXXX XXXX XXXX XXXX-UPDATED ( XXXX ) XXXX XXXXXXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX-VERIFIED AS REPORTED XXXX XXXX XXXX XXXX-VERIFIED AS REPORTED ... .... PLEASE SEE ATTACHED FILES