Product: Credit reporting or other personal consumer reports

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 XXXXXX/XX/year> **Subject** : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX and XXXX for Multiple Violations of the Fair Credit Reporting Act ( FCRA ) Request for Deletion of Account # XXXX To Whom It May Concern, I, XXXX XXXX, am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX and XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of my account with Merit Trust Credit Union ( Account XXXX XXXX XXXX XXXX ). Below is a detailed summary of the violations and the total amount of fines requested : # # # Violations and Inconsistent Reporting : XXXX. XXXX XXXX : - XXXX reported " unknown. '' - **XXXX** XXXX no report. 

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 - **TransUnion** did not provide any information on when this account was closed. 
- **XXXX** XXXX the account as closed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX  Payment History Discrepancies : XXXX. **Last Payment** : - **TransUnion** reported my last payment as XXXX XXXX, XXXX. 
- **XXXX** XXXX it as XXXX XXXX, XXXX. 

XXXX. **Late Payments** : - XXXX reflected XXXX, XXXX, and 90 days late as XXXX, XXXX, and XXXX, respectively. 
- **XXXX** XXXX these instances as XXXX, XXXX, and XXXX. 

XXXX. XXXX XXXX XXXX : - **TransUnion** reported the worst payment status as " repossession. '' - **XXXX** XXXX the worst payment status as " 120 days plus late. '' # # # Applicable Violations of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, the following violations have been committed : 1. **Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) ** : Each discrepancy between the credit bureaus constitutes a failure to ensure accurate reporting.

2. **Failure to Correct and Update Information ( 15 U.S.C . 1681s-2 ( a ) ( 2 ) ) ** : Despite ongoing inaccuracies, none of the agencies or the creditor have taken steps to correct the inconsistencies. 

3. **Failure to Notify Consumers of Incomplete or Inaccurate Information ( 15 U.S.C . 1681i ) ** : I was not notified of any investigation into the discrepancies, nor were any corrections made to my reports.

4. **Failure to Provide Notice of Account Closure ( 15 U.S.C. 1681m ) ** : TransUnion failed to provide any details regarding the account closure, while XXXX did not accurately report the date of closure. 

# # # Total Violations and Requested Remedies : Based on the above violations, I have counted XXXX separate reporting discrepancies** across TransUnion, XXXX, and XXXX. Under the FCRA, each violation is subject to a penalty of {$1000.00}. Therefore, I am requesting a total fine of ** $ XXXX be imposed for these violations. 

XXXX XXXX : I am requesting that this account ( XXXX XXXX XXXX XXXX Account XXXX XXXX ) be deleted from my credit reports immediately due to the continuous errors and violations of the FCRA. Additionally, I request the CFPB to enforce appropriate penalties for these violations to prevent further harm. 

I have included copies of my credit reports as evidence and look forward to your confirmation of receipt and update on the next steps. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX