Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Against TransUnion for FCRA Violations, Defamation, and Obstruction of Consumer Rights To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against TransUnion for deliberate violations of the Fair Credit Reporting Act ( FCRA ), defamation, and obstruction of my rights as a consumer. Their reckless reporting practices have directly impacted my ability to secure housing, financial stability, and personal reputation.

1. TransUnion is Knowingly Submitting False and Defamatory Information to Landlords TransUnion has gone beyond simply failing to correct fraudulent accounts on my credit reportthey are now actively providing false and defamatory information to landlords, labeling me as fraudulent when I apply for an apartment.

This means that TransUnion is not only failing to remove known fraudulent accounts but is taking additional steps to interfere with my housing applications by falsely flagging me as engaging in fraudulent activity. This is intentional, harmful, and a clear violation of federal law.

2. TransUnions Ongoing Refusal to Remove Fraudulent Accounts For the past two years, I have submitted over 100 disputes to TransUnion regarding fraudulent accounts, all of which stem from identity theft. Despite my continued efforts and submission of official legal documentation, including : FTC Identity Theft Report A Notice of Data Breach from XXXX XXXX XXXX XXXX XXXX ) ( confirming my Social Security number was compromised ) TransUnion has refused to remove these fraudulent accounts, in direct violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable investigation and correct inaccuracies. 

The fraudulent accounts that remain on my credit report are : XXXX. XXXX ( Account Number ending in XXXX ) XXXX. XXXX XXXX ( Account Number ending in XXXX  ) XXXX. XXXX XXXX ( Last reported XX/XX/XXXX, Open balance : {$160.00} ) 3. TransUnion is Actively Preventing Me from Disputing My Credit Report To further obstruct my consumer rights, TransUnion has : Blocked my access to TransUnions online dispute portal. 
Restricted my ability to log in through XXXX XXXX. 
Deliberately prevented me from disputing fraudulent accounts or monitoring my credit. 

This is a direct violation of 15 U.S.C. 1681c-2 ( a ), which requires credit bureaus to allow identity theft victims to dispute fraudulent information. 

4. TransUnions History of Legal Violations and Deceptive Practices TransUnion has a well-documented history of illegal conduct and deceptive business practices, including : XX/XX/XXXX : The FTC and CFPB ordered TransUnion to pay {$15.00} XXXX for failing to ensure accurate reporting, which harmed consumers ability to secure housing and employment. 
( ftc.gov ) XX/XX/XXXX : The SEC fined TransUnion {$310000.00} for violating whistleblower protection laws. 
( reuters.com ) XX/XX/XXXX : TransUnion was ordered to pay {$60.00} XXXX in a federal lawsuit after falsely labeling consumers as terrorists and drug traffickers. 

5. Legal Action & Immediate Demands Given TransUnions deliberate misconduct, defamation, and violations of the FCRA, I demand immediate regulatory action by the CFPB to investigate the following : 1. Why TransUnion is actively submitting false and defamatory information to landlords, preventing me from obtaining housing.

2. Why TransUnion refuses to remove fraudulent accounts, despite clear evidence of identity theft.

3. Why TransUnion has blocked my ability to dispute inaccuracies through its online portal and XXXX XXXX. 
4. Why TransUnion continues engaging in deceptive and illegal practices despite previous fines and lawsuits.

Furthermore, I request that TransUnion be held legally accountable and subject to significant financial penalties for knowingly harming my ability to secure housing and financial stability.