Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion and Experian Willful Violations of the False Claims Act, FCRA, and FDCPA Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally file a complaint against TransUnion and Experian for their express and willful noncompliance with federal law, specifically the False Claims Act, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ).

For the past eight months, I have repeatedly disputed an alleged XXXX account appearing on my credit report. Both TransUnion and Experian have continuously marked these disputes as verified without providing the legally required Method of Verification ( MOV ) despite my direct and repeated requests.

Their failure to supply the MOV is a clear violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA, which requires credit reporting agencies to disclose the procedure used to verify disputed information. Rather than complying with their legal obligations, both companies have engaged in a pattern of willful noncompliance and bad-faith practices that have caused me direct and ongoing harm. 

It is important to highlight that XXXX, which was also infringing upon my rights in the same manner, has since removed the alleged XXXX account from my credit file after I demanded compliance with the same terms and conditions outlined here. This further underscores that TransUnion and Experian have had every opportunity to correct their unlawful practices but have intentionally chosen not to. 

The current status of the alleged XXXX account is as follows : TransUnion continues to report the account as Verified as Reported and placed for collections, yet refuses to supply the Method of Verification used to validate this account.

Experian maintains that the account is Verified and Remains without providing the Method of Verification or any substantive details on how the account was confirmed.

Due to the blatant disregard for my rights, I have been forced to retain legal representation to address the willful noncompliance of both TransUnion and Experian and the resulting harm caused to me.

Further demonstrating its malicious intent, Experian recently denied a formal dispute submitted on my behalf by my legal representation which included my actual wet signature affixed refusing to take any action. Instead, Experian defaulted to its repetitive and baseless claim that it required additional verification of my identity before investigating the dispute.

It is critical to emphasize that this identity verification has been successfully completed multiple times over the past eight months. Experians ongoing insistence on redundant identity checks is nothing more than a delay tactic to avoid fulfilling its legal duties under the FCRA.

I am formally demanding that all responses from TransUnion and Experian be submitted exclusively through the CFPB platform and/or my provided contact methods. These responses must comply with federal law and current presidential mandates and should include, but not be limited to : A copy of the contract bearing my wet and actual signature as alleged proof of my agreement with XXXX. 
Documented correspondence and call history between TransUnion, Experian, and XXXX establishing the process used to obtain the requested Method of Verification. 
Detailed and specific investigation records related directly to me, the alleged consumer, and XXXX not automated, generic responses or pre-written by the book explanations. 

I will not accept vague or evasive responses. The law mandates transparency and accountability, and I expect both TransUnion and Experian to provide verifiable, case-specific information not misleading or cookie-cutter statements.

I respectfully request that the CFPB : 1. Conduct a full investigation into TransUnion and Experians violations of the FCRA and FDCPA.

2. Ensure both companies provide the required Method of Verification as mandated by law.

3. Impose appropriate penalties for their willful noncompliance and bad-faith practices.

4. Compel the immediate removal of the inaccurately verified XXXX account from my credit report. 

Please find attached all supporting documentation, including dispute records, responses received, and evidence of Experians denial of a formal dispute submitted by my legal representation. 

I trust the CFPB will take swift and decisive action to uphold my consumer rights and hold these companies accountable. 

Sincerely, [ XXXX ] [ XXXX ]