Product: Credit reporting or other personal consumer reports

Formal Complaint Against Transunion for Non-Compliance with FCRA 605B and Failure to Address Fraudulent Items in My Credit Report To Whom It May Concern : I am filing this complaint due to Transunion willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 605B, in relation to fraudulent items on my credit report that I have disputed. Transunion has failed to remove these items Hard Inquires off my report, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX appearing on my report despite being provided with comprehensive documentation, which includes my identity theft report and linking me to a data breach incident. Summary of Non- Compliance and Violations I first submitted a dispute to Transunion , along with required documentation, citing my rights under 605B of the FCRA XXXX which clearly mandates that credit reporting agencies must block any information that resulted from identity theft within four business days upon receipt of such Transunion failure to act not only violates 605B but also disregards the legislative intent behind the FCRA XXXX which is designed to protect consumers from the severe consequences of fraudulent reporting and identity theft. Transunion failure to act appears to be in direct contravention of the court 's stance in Andrews v. TRW Inc., 225 F.3d 1063 ( 9th Cir. 2000 ), where it was established that credit reporting agencies bear significant responsibility in ensuring accuracy and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, Transunion is knowingly and willfully neglecting this duty. Furthermore, in Menashe v. Bank of New York, 850 F. Supp. 264 ( E.D.N.Y. XXXX ), the court underscored the consumer 's right to a fair investigation by credit reporting agencies. In failing to fulfill their legal obligations, Transunion has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies ' responsibilities in the handling of identity theft complaints. linked to identity theft within four ( 4 ) business days, as mandated by FCRA 15 U.S.C. 1681c-2. Section 605B is clear : upon receiving a valid identity theft report, credit reporting agencies ( CRAs ) must block the reporting of any information that is a result of identity theft within four business days. Your lack of timely action constitutes a violation of federal law and subjects your agency to regulatory action. Given Transunion failure to act, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C. 1681s. This case will also reference court precedent in Andrews v. TransUnion LLC, 7th Cir. 2020, where the CRA 's failure to adhere to prompt compliance with the FCRA 605B was ruled as a negligent violation and subject to significant penalties.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.