Product: Credit reporting or other personal consumer reports

I, XXXX XXXX , submit this formal complaint against TransUnion for its continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within mandated timeframes, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit report contains fraudulent accounts and unauthorized inquiries that TransUnion has failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, TransUnion has removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). 

Furthermore, I sent a certified dispute letter to TransUnion requesting verification details, including contracts, signatures, and all relevant documentation for these accounts. Despite more than 15 days passing, I have not received any response or documentation from TransUnion, which constitutes additional violations of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.
15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings. 

Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against TransUnion for similar violations, demonstrating a clear pattern of noncompliance. A relevant precedent reinforcing my complaint : TransUnion Settlement ( XX/XX/year> ) : The CFPB, alongside the FTC, reached a {$15.00} XXXX settlement with TransUnion and its subsidiary for failing to ensure accuracy of tenant screening reports. TransUnion agreed to pay {$11.00} XXXX in restitution and a {$4.00} XXXX civil penalty and implement enhanced accuracy measures. 

Fraudulent Accounts & Unauthorized Reporting XXXX XXXX XXXX Account # : XXXX Issues : Fraudulent, unauthorized reporting Laws Violated : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum accuracy.

15 U.S.C. 1681i ( a ) : Failure to investigate disputes within 30 days.

15 U.S.C. 1681c-2 ( a ) : Failure to block fraudulent accounts upon receiving proper documentation.

15 U.S.C. 1692g ( a ) : Failure to provide debt validation within five days of reporting.

15 U.S.C. 1692g ( b ) : Illegal reinsertion of previously removed information without proper validation. 

Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts and unauthorized inquiries from my credit file with TransUnion. 
Ensure these accounts and inquiries are not reinserted without proper validation as required under 15 U.S.C. 1692g ( b ).

Written Confirmation : Provide written confirmation of the removal of these accounts and inquiries along with an updated copy of my TransUnion credit report. 

Thorough Investigation : Conduct a full investigation into how these fraudulent accounts and inquiries were recorded without my consent.

Provide findings in writing, including all requested verification details, such as contracts and signatures. 

Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ).

Conclusion The continued noncompliance by TransUnion has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against TransUnion for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations.

Your intervention is necessary to ensure TransUnion is held accountable and that my credit report is permanently corrected. 

Sincerely, XXXX XXXX