Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against XXXX, XXXX, and TransUnion for their ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Over the past 15 years, I have diligently attempted to remove inaccurate, outdated, and unverifiable information from my credit reports. Despite these efforts, the credit bureaus have continued to report invalid information that has caused significant harm to my financial stability and well-being. 

Background and Personal Struggles : Since the discharge of my bankruptcy, I have faced continuous challenges in getting invalid and unverifiable accounts, personal information, and unauthorized inquiries removed from my credit reports. These inaccuracies have severely impacted my ability to secure credit on reasonable terms, resulting in financial hardship and constant harassment by third parties. 

I have invested substantial time and money into credit repair services and have sent numerous certified dispute letters, yet the credit bureaus continue to disregard my rights, allowing the same invalid information to reappear or remain on my reports. Additionally, my personal data has been breached multiple times, with unauthorized third parties gaining access to my information, further exacerbating the situation. 

Violations and Requested Actions : Given the continuous and egregious violations of my rights, I demand the immediate and complete deletion of all the accounts, public records, inquiries, and personal information listed below from my credit reports. These items are not valid, can not be thoroughly validated, and must be removed under federal law.

1 ). Lack of Validation for Negative Items : Under 15 USC 1692g of the FDCPA, I have the right to request validation of any debt reported by a collection agency. Despite multiple requests, the bureaus have failed to provide sufficient validation. Therefore, these unverifiable debts must be deleted from my credit reports immediately.

2 ). Unauthorized Reporting by XXXX XXXX : XXXX XXXX has reported inaccurate late payments on my credit report without obtaining my explicit written permission to share my payment history and personal information with third parties, which is a violation of 15 USC 1681b of the FCRA. Additionally, the late payments reported by XXXX XXXX are inaccurate because I paid the interest to have the loans deferred, which should not negatively impact my credit. This unauthorized and incorrect reporting is illegal, and I demand the immediate deletion of this account in its entirety.

3 ). Reappearance of Debts Under Different Account Numbers : The FCRA requires that all information reported to the credit bureaus be accurate and complete. However, the same debts have reappeared on my credit reports under different account numbers after being removed or discharged. This practice is misleading, illegal under 15 USC 1681e ( b ), and requires the permanent deletion of these duplicated accounts.

4 ). Inaccurate Personal Information : My credit reports contain multiple addresses where I have never resided, incorrect variations of my name, and wrong Social Security Numbers. These inaccuracies violate the FCRAs requirement for accurate and up-to-date information. I request the immediate deletion of all inaccurate personal information from my credit reports.

5 ). Unauthorized Inquiries : Several unauthorized inquiries were made on my credit reports without my explicit permission, in violation of 15 USC 1681b ( c ) of the FCRA. These inquiries must be deleted from all three credit reports immediately.

Accounts, Public Records, and Inquiries to Be Deleted XXXX Credit Report Accounts to be Deleted : XXXX XXXXXXXX XXXX NA ( Charge-off account ) EXTRA ( 30 days past due, inaccurate reporting ) XXXX  ( Inaccurate late payments, unauthorized reporting without my consent ) DEPT OF EDXXXX ( Multiple inaccurate past due reports ) XXXX XXXX ( Inaccurate information, debt older than 7 years ) XXXX XXXX ( Unauthorized account, not valid ) Public Information to be Deleted : Inaccurate Addresses : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Unauthorized Inquiries to be Deleted : XX/XX/XXXX : XXXX - XXXX ID Report XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX to XXXX Report XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX to XXXX Report XX/XX/XXXX : XXXX XXXX XXXX XXXX to XXXX Report XX/XX/XXXX : XXXX XXXX XXXXXXXX Credit Report XX/XX/XXXX : XXXX XXXX XXXX Account XXXX Inquiry ( duplicate ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Direct to Consumer Report XX/XX/XXXX : XXXX XXXX XXXX XXXX to XXXX Report XX/XX/XXXX : XXXX Credit Report XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Direct to XXXX Report XX/XX/XXXX : XXXX XXXX. Direct to XXXX Report XXXX XXXX, XXXX : XXXX UPDATE Automated Consumer Interview System ( duplicate ) XXXX XXXX, XXXX : XXXX XXXX XXXX Interview System XXXX XXXX, XXXX : XXXX XXXX XXXX Interview System ( duplicate ) XX/XX/XXXX : XXXX Credit Report TransUnion Credit Report : Accounts to be Deleted DEPT OF EDXXXX ( Duplicate inaccurate past due reports ) XXXX XXXX XXXX XXXX late payments, unauthorized reporting without my consent ) XXXX XXXX XXXX XXXX  ( Charge-off account ) XXXX & XXXX ( Unauthorized, XXXX debt ) XXXX XXXX XXXX  ( Unvalidated debt ) XXXX XXXX XXXX ( Unvalidated XXXX XXXX XXXX XXXX XXXX ( Unauthorized, unvalidated debt ) Public Information to be Deleted : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Incorrect Social Security Numbers XXXX XXXX XXXX XXXX XXXX Incorrect Phone XXXX XXXX ( XXXX ) XXXX Unauthorized Inquiries to be Deleted : XX/XX/XXXX : XXXXXXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX : XXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX : TRANSUNION XXXX XXXX ( Unauthorized inquiry, duplicate ) XX/XX/XXXX : TRANSUNION XXXX XXXX ( XXXX inquiry ) XX/XX/XXXX : XXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Unauthorized inquiry ) XXXX Dates : XXXX XXXX via TRANSUNION XXXX XXXX ( Unauthorized inquiry, duplicate ) XX/XX/XXXX : XXXX XXXX XXXX ( XXXX inquiry ) XX/XX/XXXX XXXX XXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Unauthorized inquiry on behalf of XXXX XXXX XXXX XXXX ) Multiple Dates : XXXX XXXXXXXX XXXX XXXX Unauthorized inquiry ) XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Multiple Dates : XXXX XXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX : XXXX via MY FICO ( Unauthorized inquiry ) XX/XX/XXXX : XXXX XXXX XXXX  ( Unauthorized inquiry ) Multiple Dates : XXXX via XXXX XXXX ( Unauthorized inquiry ) Experian Credit Report : Accounts to be Deleted XXXX XXXX XXXX Inaccurate late payments, unauthorized reporting without my consent ) XXXX XXXX XXXX ( Unvalidated debt ) XXXX XXXX XXXX Unauthorized account XXXX not valid ) DEPT OF ED/XXXX ( Duplicate inaccurate past due reports ) XXXX XXXX ( Charge-off account ) Public Information to be Deleted : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX UNIT XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XXXX Inquiries to be Deleted : XX/XX/XXXX : XXXXXXXX XXXX XXXX  ( Unauthorized inquiry ) XXXX Dates XXXX XXXX XXXX  ( Unauthorized inquiry ) Multiple Dates : XXXX XXXX XXXX ( Unauthorized inquiry ) Multiple Dates : XXXX ( Unauthorized inquiry ) XX/XX/XXXX : XXXX XXXX ( Unauthorized inquiry ) XX/XX/XXXX : XXXX XXXX XXXX Unauthorized inquiry ) XXXX XXXX, XXXX : XXXX XXXX XXXX ( Unauthorized inquiry ) Conclusion XXXX The credit bureaus ' continued failure to validate these accounts and ensure accurate reporting, particularly in the case of XXXX XXXX 's unauthorized and inaccurate reporting, has caused substantial damage to my creditworthiness and overall quality of life.

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and enforce the immediate deletion of the invalid accounts, inaccurate personal information, and unauthorized inquiries from my credit reports. 

Please confirm receipt of this complaint and inform me of the next steps in the investigation. I am prepared to provide any additional documentation required to support my claims. 

Thank you for your prompt attention to this matter.