Product: Credit reporting or other personal consumer reports

Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, TransUnion, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and Maryland state laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/year>, yet no corrective action has been taken. 

Ongoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. 
Accepting creditors unverified claims over evidence provided by consumers. 
Failing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. 
Removing disputed items temporarily and then re-adding them without justification. 
These practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data. 
15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports.

15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.

15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. 
Consumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers. 

Maryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. 

Negative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. 
Forcing me to pay for " premium '' services to access accurate credit reports while advertising " free '' reports that are outdated and misleading. 
Prolonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. 
Discriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. 
These actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. 

Documented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit. 

Demands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries. 
Adherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes. 
Transparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.

Accountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. 
Your repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, Maryland Attorney XXXX XXXX, and, if necessary, pursue legal action. 

Sincerely, XXXX XXXX