Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally document a series of significant failures by both the creditors and the credit reporting agency ( CRA ) Trans Union to comply with their legal obligations under the **Fair Debt Collection Practices Act ( FDCPA ) ** and the **Fair Credit Reporting Act ( FCRA ) **. These failures have resulted in the continued presence of inaccurate and unverifiable accounts on my credit report, despite my diligent efforts to address these issues through proper channels. 

On XXXX XXXX, XXXX, I sent **certified letters** to the creditors reporting several accounts on my credit report, requesting validation of these debts as required under **15 USC 1692g** of the FDCPA. These requests specifically asked the creditors to provide documentation proving the following : XXXX. Their legal right to collect the debt. 
XXXX. The existence and accuracy of the debt, including signed agreements and payment histories. 

Despite following the appropriate steps to dispute these accounts, the creditors failed to respond with the required validation within the legally mandated time frame. Under the law, if a debt collector can not validate the debt, they must cease collection activity and notify the credit reporting agencies to remove the account from my credit report. 

I then submitted disputes to the credit reporting agency Trans Union on XX/XX/XXXX, requesting the removal of these unverifiable accounts. However, Trans Union failed to respond or delete any of the items mentioned. 

Accounts in XXXX XXXX. XXXX XXXX Bank XXXX XXXX XXXX XXXX 
- Account Number : [ Ending in XXXX ] - Balance : {$520.00} - Issue : No response to my validation request. CRA failed to delete. 

XXXX. XXXX XXXX  - Account Number : [ Ending in XXXX ] - Balance : {$510.00} - Issue : No response to my validation request. CRA failed to delete. 

XXXX. XXXX XXXX XXXX Account Number : [ Ending in XXXX ] - Balance : {$390.00} - Issue : Reporting reflects " Collection '' status without validation. CRA failed to delete. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : [ Ending in XXXX ] Balance : {$970.00} Issue ( Debt ownership dispute ) Details : This account, listed as " Placed for Collection, '' has not been validated by the creditor as required under FDCPA. No documentation supporting its accuracy has been provided. 

XXXX. XXXX XXXX XXXX ( Care of XXXX XXXX XXXX ) - Account Number : [ Ending in XXXX ] - Balance : {$870.00} Issues : ( Debt ownership dispute ) Details : The creditor failed to verify debt ownership. 

Violations by XXXX XXXX XXXX XXXX never responded to my disputes with an updated report or explanation. However : - Since the creditors did not respond to my original validation requests within the legal time frame. 
- XXXX relied solely on the creditors responses to their inquiries instead of requiring proper documentation of the debt, violating **15 USC 1681i ( a ) ( 5 ) ( A ) **, which mandates the deletion of unverifiable information. 
The CRA did not provide me with sufficient detail or documentation to support its decision to retain the disputed accounts on my credit report. 

Impact on Me The continued presence of these inaccurate and unverifiable accounts on my credit report has caused significant harm, including : XXXX. **Denial of Credit : ** I have been denied credit opportunities because these accounts negatively affect my creditworthiness. 
XXXX. **Emotional Distress : ** The stress of dealing with these unresolved issues and the lack of adherence to legal requirements has taken a toll on my well-being. 
XXXX. **Financial Harm : ** My inability to access credit has prevented me from achieving financial goals and addressing urgent needs. 

Supporting Evidence Attached to this complaint are the following documents : XXXX. Copies of certified mail receipts and tracking information for my original validation requests to the creditors. 
XXXX. Dispute letters sent to the XXXX XXXX XXXX. 
XXXX. A copy of my credit report showing the continued reporting of these accounts. 

I trust the CFPB will take this matter seriously and ensure that the rights afforded to me under federal law are upheld. 

Sincerely, XXXX XXXXXXXX