Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint and Demand for Permanent Deletion of All Inaccurate Accounts Due to Multiple FCRA Violations Dear Sir/Madam, I am filing this formal complaint against TransUnion for failure to reinvestigate disputed information and repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes and complaints, my credit report continues to reflect inaccurate, outdated, and unauthorized reopenings of accounts, in direct violation of FCRA statutes. 

This letter serves as official notice that I am demanding the permanent deletion and blocking of the following disputed accounts, as well as immediate corrective action. Failure to comply within 30 days will result in legal action under FCRA 1681n and FCRA 1681o. 

Detailed Timeline of XXXX XXXX XXXX XXXX Status Changes ( Further Evidence of Violations ) XXXX XXXXXXXX XXXX XXXX XXXX accounts on my TransUnion report have been wrongfully reopened multiple times, violating FCRA 1681e ( b ) and FCRA 1681i ( a ). Below is a full timeline of these improper changes : XXXX No new updates yet recorded. 
XXXX ( Multiple Unauthorized Reopenings ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XX/XX/XXXX : Installment Loan : Reopened ( Previously closed ) Credit Card : Reopened ( Previously closed ) XXXX ( Inaccurate Reporting of Charge-Offs ) XX/XX/XXXX : Installment Loan : Marked as Charged-Off ( Unverified Balance ) Credit Card : Marked as Charged-Off ( Unverified Balance ) XXXX ( Prior Payment & Account Status Inaccuracies ) XX/XX/XXXX : Credit Card : Moved to Good Standing ( Previously delinquent ). 
Credit Card : Missed Payment reported. 
XX/XX/XXXX : Credit Card : XXXX XXXX, balance reported as {$0.00}. 
XXXX XXXX : Closed and marked as XXXX XXXX. 
Disputed Negative Accounts on XXXX TransUnion Report XXXX. XXXX XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Balance : {$7900.00} Past Due Amount : {$7900.00} Status : Charged-Off FCRA Violation : Repeated unauthorized reopenings XXXX. XXXX XXXX XXXX XXXX ( Installment Loan ) Account Number : XXXX Balance : {$37000.00} Past Due Amount : {$37000.00} Status : Charged-Off FCRA Violation : Inaccurate balance reporting, repeated reopenings XXXX. XXXX Card Services Account Number : XXXX Balance : {$4500.00} FCRA Violation : Unverified charge-off balance XXXX XXXX  XXXX Bank Account XXXX XXXX XXXX Balance : {$1300.00} Past Due Amount : {$150.00} FCRA Violation : Inaccurate balance and late payment reporting Specific FCRA Violations by TransUnion 1681e ( b ) : Failure to maintain accurate reporting procedures.

1681i ( a ) : Failure to properly reinvestigate disputes.

1681i ( a ) ( 5 ) ( B ) : Reinsertion of previously deleted information without consumer notification.

1681c : Reporting of obsolete and outdated information.

1681s-2 : Failure of furnishers to provide verifiable and accurate data.

Complete List of CFPB Complaints Filed Against TransUnion I have filed multiple formal complaints against TransUnion with the Consumer Financial Protection Bureau ( CFPB ) due to these ongoing violations : Complaint ID XXXX - Filed : XX/XX/XXXX ( Open ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Complaint ID XXXX - Filed : XX/XX/XXXX ( Closed ) Requested Action : Permanent Deletion & Blocking of All Accounts I am demanding : Permanent deletion & blocking of all inaccurate accounts. 
Written confirmation of all corrections made. 
XXXX of all inaccurate account reopenings. 
If these issues are not corrected within 30 days, I will pursue legal action under FCRA 1681n & 1681o.

Final Notice to TransUnion Please acknowledge receipt and confirm corrective actions. 

Sincerely, XXXX XXXX