Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Notice of FCRA Violations and Demand for Corrective Action and Damages Dear Transunion, I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX  ( Case No. 8:25-cv-24 ), and they have caused significant harm to my creditworthiness and financial opportunities.

Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on [ Date of Dispute Submission ], XXXX has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information XXXX continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 

Inaccurate credit accounts XXXX XXXX XXXX XXXX reporting information Dispute dates : XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XXXX Date account was opened states -Mar XXXX, XXXX versus the date in the payment history of XX/XX/XXXX. Date of first delinquency XX/XX/XXXX never reporting first delinquency. States no data starting XX/XX/XXXX State Employees XXXX Inaccurate reporting information Dispute dates : XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XXXX Date account was opened XXXX XXXX XXXX, XXXX versus the date in the payment history of XX/XX/XXXX. 

XXXX XXXX  XXXX Inaccurate reporting information Dispute dates : XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Date account was opened states -XXXX  XXXX, XXXX versus the date in the payment history of XX/XX/XXXX. 

XXXX XXXX  XXXX Inaccurate reporting information Date account was opened states -XXXX  XXXX, XXXX versus the no data reported starting XX/XX/XXXX XXXX XXXX XXXX Inaccurate reporting information Date account was opened states -XXXX  XXXX, XXXX versus the no data reported starting XX/XX/XXXX XXXX XXXX  XXXX Inaccurate reporting information Date account was opened states -XXXX  XXXX, XXXX versus the no data reported starting XX/XX/XXXX XXXX XXXX  XXXX Inaccurate reporting information Date account was opened states -XXXX  XXXX, XXXX versus the no data starting date in the payment history of XX/XX/XXXX. Date of first delinquency XXXX, XXXX reporting first delinquency XX/XX/XXXX Dispute dates : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX Inaccurate reporting information Date account was opened states -XXXX  XXXX, XXXX versus the date in the payment history of XX/XX/XXXX. Date of first delinquency XX/XX/XXXX reporting first delinquency XX/XX/XXXX Dispute dates : XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report.

Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ).

Reimbursement of legal fees and costs incurred in addressing this matter.

Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.