Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion FCRA Violations & Failure to Correct Credit Report Errors Dear CFPB, I am filing a formal complaint against TransUnion for its repeated failure to investigate and correct serious inaccuracies on my credit report, despite multiple disputes spanning over 90 days. TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) by suppressing my credit score, merging my credit file with another consumer, and failing to correct incorrect personal and account information.

Violations & Issues : 1. Failure to Provide Access to My Credit Report TransUnion has denied me access to my own credit report, violating 15 U.S.C. 1681g ( a ) ( 1 ), which requires credit bureaus to provide consumers with their credit file upon request.

2. Unlawful Suppression of My Credit Score My credit score has been completely removed without explanation, negatively impacting my ability to secure credit. This is a violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain complete and accurate consumer credit records. 

XXXX. Merging My Credit File with Another Consumer ( Serious FCRA Violation ) A TransUnion representative confirmed via phone call that my credit file has been merged with another individuals, leading to inaccurate account reporting and a wrongful credit history attached to my profile. 

This is a severe violation of 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( failure to properly investigate disputes ). 

Because of this critical error, my credit report wrongfully includes accounts that do not belong to me, including : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX I demand that TransUnion immediately pull the call logs from my conversation with their representative, investigate this wrongful file merging, and take corrective action to separate my credit file from the other individual.

4. Failure to Investigate and Correct Disputes Within the Legal Timeframe My disputes regarding XXXX XXXX XXXX and XXXX  XXXX XXXX have been unresolved for over 90 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that disputes be resolved within 30 days ( or 45 days under certain conditions ). 

TransUnion has ignored multiple requests to verify or remove these incorrect accounts, which directly violates the FCRA and has caused significant financial harm.

5. Failure to Correct Personal Information TransUnion continues to report the wrong address and employer, despite multiple correction requests. 

The only correct address that should be on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681e ( b ), TransUnion is required to maintain accurate consumer file information, which they have failed to do. 

Urgent Action Requested 30 Days Since TransUnion has already exceeded the 30-day legal limit, I demand immediate correction through Rapid Rescoring ( RAP ) under the FCRA and applicable industry standards to ensure my credit report is accurate. Specifically : 1. TransUnion must immediately separate my credit file from the other individual and correct all associated inaccuracies. 

2. TransUnion must immediately remove or verify all disputed accounts, including XXXX XXXX XXXX and XXXX  XXXX XXXX. 

3. TransUnion must restore my credit score and correct any damage caused by wrongful reporting.

4. TransUnion must update my address to reflect only the correct one : XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

5. TransUnion must correct my employer information. The correct information is XXXX XXXX XXXX XXXX. TransUnion must provide written confirmation of these corrections within 30 days. 

Next Steps if TransUnion Fails to Comply If TransUnion does not comply within 30 days, I will escalate this complaint to the Internal Attorney General and pursue legal action under the FCRA, seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees ( 15 U.S.C. 1681n and 1681o ). 

I expect an urgent response and resolution to this matter. Please confirm receipt of this complaint and provide updates on the CFPBs actions. 

Sincerely, XXXX XXXX