Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Immediate Removal of Negative Accounts TransUnion Dear CFPB Representative, I am writing to you under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5531 and 5536 ) to formally dispute and demand the immediate removal of negative accounts from my credit report as reported by TransUnion. 

I have been a victim of TransUnions unfair practices and demand the immediate removal of these negative accounts. 

I have been directly affected by multiple violations of the law committed by TransUnion, as already recognized by the Consumer Financial Protection Bureau ( CFPB ). Due to negligent and fraudulent practices, my credit history has been severely damaged, causing me financial and personal harm. 

As a result of TransUnions errors and failures in managing credit information, I demand the immediate removal of all negative accounts reported on my credit file. 

Violations Committed by TransUnion 1. Failure to Conduct a Proper Investigation of My Disputes ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) I submitted disputes regarding incorrect information on my report, but TransUnion failed to conduct a fair investigation or correct the errors. 
2. Reinsertion of Previously Deleted Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) Some negative accounts that were previously removed have reappeared on my report without justification or prior notification. 
3. Inaccurate Reporting and Lack of Quality Controls ( 15 U.S.C. 1681e ( b ) ) TransUnion is required to maintain procedures to ensure the accuracy of credit reports. However, due to defective systems and verification failures, my credit history has been unfairly damaged. 
4. Deceptive Practices in Communication with Consumers ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ) In response to my disputes, I have received contradictory and misleading information, which constitutes an illegal practice. 

Negative Accounts That Must Be Removed Below are the accounts that have been incorrectly reported by TransUnion, and that I demand be immediately removed from my credit report : [ XXXX XXXX XXXX ] ( Partial Account Number : XXXX ) Late Payments Reported : XX/XX/XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 
[ XXXX  XXXX ] ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 
[ XXXX  XXXX ] ( Partial Account Number : XXXX ) Late Payments Reported : XXXX XXXX Dispute : I have disputed it for late payments that I have not made, and they have not removed it. I never had any late payments on this account. 


[ XXXX XXXX XXXX ] ( Pastial Account Number : XXXX ) This account was deleted on XX/XX/XXXX and was put back on credit on XX/XX/XXXX where they are violating my right according to the law. So I demand that this account that was put back on my credit be deleted. I demand that it be removed from my credit. 

I Demand Immediate Action Since the CFPB has already fined XXXX {$15.00} XXXX and has sued XXXX for these same practices, TransUnion has already been found guilty of these violations. 

Therefore, I demand the following : 1. Immediately remove all negative accounts listed in this letter. 
2. Provide me with an updated credit report reflecting these changes. 
3. Cease any reinsertion of incorrect information in my credit history. 

If TransUnion fails to comply with this request within the legal 30-day period under the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), I will file a formal complaint with the CFPB and consider legal action for damages. 

I have attached copies of supporting documents for my claim and look forward to your prompt response.