Product: Credit reporting or other personal consumer reports

Sent via CFPB Complaint Portal Complaint Against : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX : Immediate Removal of Fraudulent Reporting & Monetary Settlement Pending Federal Lawsuit Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against TransUnion Consumer Solutions for their failure to remove a fraudulent account from my credit report, despite multiple disputes, an FTC Identity Theft Report, and a police report confirming identity theft. I am also attaching XXXX XXXX XXXX to this complaint, as they are the original furnisher of false information and have failed to correct the fraudulent reporting. 

As a verified victim of the XXXX Equifax Data Breach and a participant in the Federal Witness Victim Program, my personal information was severely compromised, increasing my risk of identity theft. The continued reporting of fraudulent information by TransUnion and XXXX has resulted in severe financial harm, emotional distress, and medical complications. 

I am actively in the process of purchasing a home and do not wish for a fraud alert to be placed on my credit file. However, I demand the immediate removal of this fraudulent charge-off, as it has caused housing displacement, financial hardship, and mortgage denials since XX/XX/XXXX when my lease ended. 

Additionally, I have recorded phone calls with XXXX representatives, which further prove their failure to investigate or properly handle my fraud claims. Furthermore, I have incurred medical expenses totaling {$22000.00} due to the extreme stress and hardship this situation has caused, including necessary therapy sessions due to the financial and housing instability they have inflicted upon me. My previous rental home was put up for sale, forcing me into a hotel, which has worsened my health conditions. 

I have been actively looking for a home since XX/XX/XXXX and have been displaced due to fraudulent accounts on my credit report, which have directly impacted my ability to secure stable housing for myself and my XXXX children. As a XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), this situation has also forced me to take a break from my education, preventing me from XXXX  on time due to the mental stress and emotional toll of dealing with these fraudulent accounts. 

Fraudulent Account Details : Creditor : XXXX XXXX XXXX Account Number : XXXX Credit Limit : {$2500.00} Reported Balance : {$7700.00} Status : Charge-off / Profit & Loss Write-Off Amount Past Due : {$1000.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Account Disputed : TransUnion incorrectly reports No , despite multiple disputes. 

Failure to Mark the Account as Disputed : TransUnion and XXXX never marked this account as disputed, violating my rights under the Fair Credit Reporting Act. 

Federal Violations by TransUnion XXXX XXXX XXXX XXXX XXXX. Violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Failure to Block Fraudulent Account I submitted an FTC Identity Theft Report and a police report verifying identity theft. 

TransUnion was required to block this account within 4 business days but failed to do so.

2. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Furnishing False Information XXXX continues to report false, inaccurate, and misleading information to TransUnion. 

TransUnion continues to publish false data after being notified. 

XXXX. Violation of FCRA Section 611 ( 15 U.S.C. 1681i ) Failure to Investigate My Dispute TransUnion failed to conduct a reasonable investigation and remove the fraudulent charge-off. 

TransUnion and XXXX failed to mark the account as disputed during their so-called investigation. 

XXXX. Violation of FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to Ensure Maximum Possible Accuracy TransUnion knowingly maintains false information about my account. 

XXXX. Negligence & Breach of Duty of Care Both companies had a duty to ensure accurate credit reporting but failed, leading to my financial and emotional distress. 

How This Has Harmed Me : Loss of {$480000.00} Mortgage Loan This fraudulent charge-off caused my mortgage application to be denied. 

Forced Into Temporary Housing I was displaced and forced to move into a hotel after my previous home was listed for sale. 

Severe Emotional Distress This has caused XXXX, XXXX, and financial stress. 

Medical Complications As a person with XXXX XXXX XXXX, this prolonged stress has led to XXXX XXXX XXXX, requiring XXXX XXXX  totaling {$22000.00}. 

XXXX XXXX I have required XXXX  XXXX  due to the severe mental toll caused by this situation. 

Educational Disruption As a XXXX XXXX XXXX XXXX XXXXXXXX, I had to take a break from my studies, delaying my XXXX  and future career plans due to the mental stress caused by this fraudulent reporting. 

What I Am Demanding : TransUnion must immediately remove the fraudulent account from my credit report and update all bureaus ( Equifax & XXXX ). 

TransUnion and XXXX must provide written confirmation that this account has been permanently deleted. 

I am demanding a settlement of {$480000.00} from TransUnion and {$300000.00} from XXXX XXXX XXXX for financial losses, emotional distress, medical bills, XXXX  expenses, and educational disruption. 

If this matter is not resolved within 14 days, I will proceed with a federal lawsuit seeking actual, statutory, and punitive damages.