Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this formal SECOND complaint to the Consumer Financial Protection Bureau ( CFPB ) against XXXX, XXXX, and TransUnion. This complaint addresses their continued noncompliance with the Fair Credit Reporting Act ( FCRA ) and other federal statutes, despite my prior dispute, which resulted in only partial resolution. I demand the immediate and complete removal and permanent blocking of all fraudulent accounts, inquiries, and inaccurate information associated with my credit files across these bureaus. 

This letter is submitted as a formal request for enforcement action by the CFPB to ensure that XXXX, XXXX, and TransUnion comply with all relevant laws and regulations. 

Background of Complaint : Fraudulent accounts and inaccurate information have been reported under my credit profile across all three bureaus, despite prior disputes and the provision of supporting evidence, including police reports, identity theft affidavits, and verifiable documentation. The bureaus have failed to investigate, resolve, and prevent further harm, violating multiple federal regulations. Their continued inaction has caused significant damage to my creditworthiness, financial well-being, and personal privacy.

Specific Violations of Federal Law : 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The credit bureaus are obligated to ensure that all reported information is accurate and up-to-date. Despite this
, my credit reports contain glaring errors, including discrepancies in balances, open dates, payment histories, and credit limits for multiple accounts.

2. Failure to Conduct Proper Investigations ( 15 U.S.C. 1681i ( a ) ) The FCRA requires disputes to be investigated within 30 days. My disputes remain unresolved, with little or no follow-up from the bureaus, in clear violation of this statute.

3. Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) Despite receiving police reports and identity theft affidavits, the credit bureaus have failed to block the fraudulent information reported in my credit file. These accounts continue to harm me financially.

4. Failure to Notify Consumers of Debt Validation ( 15 U.S.C. 1692g ) Creditors reporting these fraudulent accounts failed to validate debts within the statutory period of five days, making these entries invalid.

5. Failure to Reinvestigate Disputes Upon Receiving New Evidence ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Upon submission of additional evidence, the bureaus are required to reinvestigate disputes. This has not been done adequately or within a reasonable timeframe.

6. Failure to Safeguard Personal Information ( 15 U.S.C. 6801-6809 ) The Gramm-Leach-Bliley Act mandates safeguarding personal data. The fraudulent activities reported indicate a potential failure to protect my personal information.

7. Violation of Identity Theft Protections ( 18 U.S.C. 1028 ) Despite providing verifiable documentation, the credit bureaus failed to act under federal identity theft protection statutes.

Detailed Issues in My Credit Report : The following accounts and inquiries are fraudulent and/or inaccurate : WINGS FINCL ( Account # : XXXX ) Issue : Charged-off account with discrepancies in payment status, open dates, and lack of proper notification across bureaus. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1692g. 

XXXX ( Account # : XXXX ) Issue : Balance discrepancies and lack of validation. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1681i ( a ). 

XXXX  XXXX ( Account # : XXXX ) Issue : High credit discrepancies and lack of validation. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1692g. 

XXXX ( Account # : XXXX ) Issue : Monthly payment discrepancies and failure to validate. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1692g. 

XXXX  XXXX ( Account # : XXXX ) Issue : Balance discrepancies, varying account details across bureaus, and failure to validate. 

Laws Violated : FCRA 607 ( b ), 611 ( a ). 

XXXX ( Account # : XXXX ) Issue : Charged-off account with discrepancies in high credit amount, open dates, and last reported dates. 

Laws Violated : 15 U.S.C. 1681g ( e ), FCRA 607 ( b ). 

XXXX  XXXX ( Account # : XXXX ) Issue : Payment status discrepancies, differing account details across bureaus, and lack of notification. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1692g. 

XXXX XXXX  ( Account # : XXXX ) Issue : Fraudulent account with discrepancies in high credit amounts, open dates, and no authorization. 

Laws Violated : 15 U.S.C. 1681e ( b ), FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account # : XXXX ) Issue : Fraudulent account with conflicting total amounts and open dates across bureaus. No validation provided.

Laws Violated : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX  ( Account # : XXXX ) Issue : Fraudulent charges with inconsistencies in account details, open dates, and balances across bureaus.

Laws Violated : 15 U.S.C. 1681e ( b ), FCRA 607 ( b ), 611 ( a ). 

XXXX ( Account # : XXXX ) Issue : Duplicate fraudulent account with varying open dates and payment details. 

Laws Violated : FCRA 607 ( b ), 611 ( a ). 

XXXX XXXX ( Account # : XXXX ) Issue : Fraudulent credit card opened with conflicting details in balance and open dates across bureaus. 

Laws Violated : 15 U.S.C. 1681e ( b ), 1692g. 

XXXX XXXX  XXXX ( Account # : XXXX ) Issue : Unauthorized credit inquiry and fraudulent account activity with differing reported details. 

Laws Violated : 15 U.S.C. 1681b, FCRA 607 ( b ). 

XXXX  ( Account # : XXXX ) Issue : Fraudulent credit card opened with discrepancies in balance, open date, and account details.

Laws Violated : FCRA 611 ( a ), 607 ( b ).

Fraudulent Credit Inquiries : Unauthorized inquiries from entities including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others.Laws Violated : 1

5 U.S.C. 1681b. Demands for Resolution : Immediate and permanent removal of all fraudulent accounts and unauthorized inquiries from my credit reports.

Blocking of inaccurate and fraudulent information pursuant to 15 U.S.C. 1681c-2. 

A full investigation into the failures of XXXX, XXXX, and TransUnion to comply with federal law. 

Financial restitution for damages caused by their noncompliance and negligence. 

Enforcement action by the CFPB to hold these credit bureaus accountable under federal law. 

Conclusion : The ongoing violations of the FCRA and related statutes by XXXX, XXXX, and TransUnion are unacceptable. The harm caused to my creditworthiness, financial stability, and privacy necessitates immediate action. I urge the CFPB to enforce the law and ensure full compliance by these entities. 

Failure to address this complaint appropriately will leave me with no choice but to pursue legal remedies. 

Sincerely, XXXX XXXX