Product: Debt collection

I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted on XX/XX/year>. The dispute addressed multiple inaccuracies on my credit report and requested direct verification with the original sources of information, without relying on third-party data sources like XXXX. Despite my request and the legal requirements under the Fair Credit Reporting Act ( FCRA ), TransUnion has not responded within the XXXX legally mandated period. 

Summary of Disputed Items : Late Payments : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts reflect inaccurate late payments. I requested direct verification with the original creditors and specific documentation of payment histories. TransUnion has not responded. 
Unauthorized Hard Inquiries : Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I requested the removal of these unauthorized hard inquiries unless proof of my consent could be provided. TransUnion has failed to respond or provide any verification. 
Account Inaccuracies : Accounts : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX 
These accounts were inaccurately reported as charge-offs. I requested verification directly from the original creditors and documentation proving the accuracy of these reports, but TransUnion has not provided any response. 
Collection Accounts : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
I requested the removal of these accounts unless verifiable proof of authorization could be provided. TransUnion has not corrected or removed these items. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA XXXX XXXX ( a ) ) : TransUnion has not completed a reasonable reinvestigation of the disputed items within the XXXX period required by law, nor have they verified the information directly with the original creditors. This is a violation of FCRA Section XXXX ( a ). 

Failure to Provide Direct Verification and Documentation ( FCRA XXXX XXXX ( a ) ) : I requested detailed documentation, including original contracts, payment histories, and proof of identity used to open the accounts. TransUnion has not provided this information, in violation of FCRA Section XXXX ( a ). 

Improper Use of Third-Party Data Aggregators : My dispute specifically demanded that TransUnion exclude XXXX data sources, such as XXXX, from the reinvestigation process. XXXX failure to comply with this request violates the FCRAs standard for direct verification with the original sources. 

Impact : XXXX failure to address my disputes and correct the inaccuracies has caused : Emotional distress : The presence of inaccurate and unauthorized information has caused significant stress and anxiety. 
Financial harm : The unresolved inaccuracies have lowered my XXXX XXXX, resulting in credit denials, higher interest rates, and financial losses. 
Potential future harm : These inaccuracies continue to negatively impact my financial reputation and my ability to obtain credit on fair terms. 
Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, unauthorized hard inquiries, and account inaccuracies from my credit report. 
Provide detailed documentation verifying the accuracy of the information directly with the original creditors. 
Ensure all future correspondence be sent via certified mail with return receipt requested, as I specifically stated that electronic responses would not be accepted.