Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Complaint and Demand for Immediate Deletion of All Inaccurate and Negative Accounts in Violation of the FCRA Dear Sir/Madam, I am writing to formally dispute the inaccurate and derogatory accounts listed on my TransUnion credit report. These disputes were not reinvestigated under the premise of Section 611 of the Fair Credit Reporting Act ( FCRA ), despite new and relevant information being provided. TransUnion is legally required to conduct a reasonable reinvestigation into any disputed item per FCRA 611 ( a ) ( 1 ) and must delete any unverifiable, outdated, or inaccurate information under FCRA 1681i ( a ). 
These accounts contain erroneous information, unverifiable reporting, and improper account reopenings, making them invalid under the law. I am demanding permanent deletion of all inaccurate information and blocking of these accounts to prevent them from reappearing. 
________________________________________ Disputed Negative Accounts on My TransUnion Report 1. XXXX XXXX XXXX XXXX ( Credit Card ) Account Number : XXXX Balance : {$7900.00} Past Due Amount : {$7900.00} Status : Charged-Off Reopening Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FCRA Violation : Repeated unauthorized reopening, failure to correct inaccurate reporting. 
XXXX. XXXX XXXX XXXX XXXX ( Installment Loan ) Account Number : XXXX Balance : {$37000.00} Past Due Amount : {$37000.00} Status : Charged-Off Reopening Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FCRA Violation : Failure to ensure accuracy, allowing outdated debt to persist. 
XXXX. XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Balance : {$15000.00} Status : Reopened without authorization Reopening Date : XX/XX/XXXX FCRA Violation : Reinsertion of previously deleted account without notification per FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. XXXX XXXX XXXX ( Collections ) Account Number : XXXX Balance : {$1200.00} Status : Reopened Collections Reopening Date : XX/XX/XXXX FCRA Violation : Failure to delete obsolete collections account. 
XXXX. XXXX XXXX  Services Account Number : XXXX Balance : {$4500.00} Past Due Amount : {$4500.00} Status : Charged-Off FCRA Violation : Unverified charge-off balance, conflicting reporting across bureaus. 
XXXX XXXX  XXXX Bank Account Number : XXXX Balance : {$1300.00} Past Due Amount : {$150.00} Status : 90+ Days Late FCRA Violation : Inaccurate balance and late payment reporting. 
________________________________________ Specific Violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion 1681e ( b ) Failure to maintain accuracy : TransUnion has not followed reasonable procedures to ensure the accuracy of the information on my report.

1681i ( a ) Failure to properly reinvestigate disputes : TransUnion has ignored my disputes despite the requirement to conduct a thorough reinvestigation within 30 days. 
1681i ( a ) ( 5 ) ( B ) Failure to notify of reinsertion : Accounts that were previously removed have been reinserted without proper notification, which is a direct FCRA violation.

1681c Reporting obsolete information XXXX  XXXX  XXXX XXXX XXXX collections account and certain charge-offs are outdated and should have been removed. 
1681s-2 Responsibilities of furnishers : Creditors have reported incorrect information, and TransUnion has failed to correct these errors as required.

________________________________________ Complete List of CFPB Complaints Against TransUnion I have previously filed numerous complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations. Below is a full record of all formal complaints submitted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ( Closed ) Despite these multiple formal complaints, TransUnion has failed to take corrective action, necessitating this further escalation.

________________________________________ Requested Action : Permanent Deletion and Blocking of All Accounts Given these clear violations of multiple FCRA statutes, I am demanding the following immediate actions : 1. Permanent deletion and blocking of all disputed accounts to prevent reappearance ( FCRA 1681i ( a ) ).

2. Written confirmation of all corrections made, detailing actions taken to prevent recurrence.

3. Immediate cessation of inaccurate account reopenings and reinforcement of internal procedures to prevent future violations. 
Failure to comply with this request within 30 days will force me to pursue legal action in federal or state court. 
________________________________________ Final Notice to TransUnion This letter serves as a formal legal notice that I reserve all legal rights to seek statutory damages as permitted under the Fair Credit Reporting Act ( FCRA ). 
Please acknowledge receipt of this letter and provide a detailed response within the legally mandated timeframe. 
Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX