Product: Credit reporting or other personal consumer reports

CFPB ESCALATION FINAL DEMAND FOR IMMEDIATE ENFORCEMENT ACTION Complaint Number : XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , MO XXXX SSN ( Last Four ) : XXXX DOB : XX/XX/XXXXXXXX  Phone : XXXX Email : XXXX CFPB FAILURE TO ENFORCE FCRA IMMEDIATE ACTION REQUIRED I am escalating my complaint against TransUnion LLC due to their continued violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards . TransUnion has failed to complete a proper investigation within the 30-day legal timeframe, and the CFPBs allowance of a 60-day response period is in direct contradiction to federal law. 

The CFPBs failure to enforce the law is unacceptable. If the CFPB refuses to take immediate action, this case will be escalated to the highest levels, including Congress, the Federal Trade Commission ( FTC ), and national consumer protection groups. 

CFPB CAN NOT IGNORE TRANUNION 'S SYSTEMIC NON-COMPLIANCE My initial dispute was filed on XX/XX/XXXX. TransUnions legal deadline to complete its investigation was XX/XX/XXXX. 

FCRA Violations by TransUnion : Failure to Complete Investigation in 30 Days ( FCRA 1681i ( a ) ( 1 ) ( A ) ). 
Failure to Ensure Maximum Possible Accuracy ( FCRA 1681e ( b ) ). 
Failure to Delete Unverifiable Accounts ( FCRA 1681i ( a ) ( 5 ) ( A ) ). 
Unlawful Reliance on Automated e-OSCAR Processing Instead of a Proper Metro 2 Review. 

TransUnion is knowingly violating the law, and the CFPB is failing to act! 

CFPBS INACTION IS ALLOWING SYSTEMIC CONSUMER HARM TransUnions refusal to comply with federal law has resulted in : Denied credit applications based on unverifiable data. 
Higher interest rates due to false credit reporting. 
Financial harm and reputational damage. 

The CFPB can not continue to allow a credit bureau to destroy consumers financial well-being without consequences. 

FINAL DEMAND FOR CFPB ACTION DEADLINE : XX/XX/XXXX I am demanding that the CFPB take the following actions immediately : IMPOSE MAXIMUM CIVIL PENALTIES AGAINST TRANSUNION Under 12 USC 5565 ( c ), the CFPB has the authority to fine TransUnion up to {$25000.00} per violation. 
TransUnion must face real financial consequences for systemic FCRA violations. 
ORDER TRANSUNION TO DELETE ALL UNVERIFIABLE ACCOUNTS IMMEDIATELY Since TransUnion failed to complete an investigation within 30 days, these accounts must be deleted immediately : XXXX  XXXX Auto Finance Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX OPEN A FORMAL CFPB INVESTIGATION INTO TRANSUNIONS SYSTEMIC NON-COMPLIANCE The CFPB must conduct a regulatory audit of TransUnions dispute handling process and Metro 2 compliance. 
FORCE TRANSUNION TO PROVIDE A SWORN AFFIDAVIT UNDER PENALTY OF PERJURY A senior TransUnion compliance officer must certify, under oath, that a proper investigation was conducted. 
If TransUnion refuses, this is prima facie evidence that they never completed a real investigation. 
PUBLICLY ANNOUNCE ENFORCEMENT ACTION AGAINST TRANSUNION The CFPB must make it clear that TransUnion will no longer be allowed to violate consumer protection laws. 
FAILURE TO ACT WILL RESULT IN ESCALATION TO HIGHER AUTHORITIES. 

IF CFPB FAILS TO RESPOND BY XX/XX/XXXX, I WILL ESCALATE If the CFPB does not take immediate enforcement action, I will take the following steps : 1 File a formal regulatory complaint against the CFPB with the FTC for failure to enforce consumer protection laws. 
2 Submit an official complaint to Congress, demanding oversight of the CFPBs failure to regulate TransUnion. 
3 Request a formal investigation by the Senate Banking Committee and Consumer Rights Advocacy Groups. 
4 File a Freedom of Information Act ( FOIA ) request for all CFPB communications regarding TransUnion enforcement. 
5 Pursue federal legal action against TransUnion for damages under FCRA 1681n. 

The CFPB is running out of time. This Bureau was created to protect consumers, NOT to shield credit bureaus from accountability. 

FINAL CFPB RESPONSE DEADLINE : XX/XX/XXXX I demand a written confirmation from the CFPB no later than XX/XX/XXXX, confirming : That TransUnion is being forced to comply with FCRA deadlines. 
That a full-scale CFPB investigation into TransUnions systemic violations is underway. 
That penalties and fines are being imposed for willful non-compliance. 

If the CFPB does NOT take action, I will make this case PUBLIC and escalate it to the highest authorities. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX Phone : XXXX Email : XXXX XXXX