Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Information in TransUnion Credit Report Date : XX/XX/XXXX To Whom It May Concern at TransUnion : Re : Formal Dispute of XXXX Account Number XXXX ( Report No. XXXX ) I am writing to formally dispute the inaccurate reporting of information regarding the XXXX account referenced above, as reflected in your report dated XX/XX/XXXX ( Report Number XXXX ). Despite my previous notification to TransUnion, the report continues to misrepresent my payment history, showing a late payment for XX/XX/XXXX. This information is incorrect, as evidenced by my reports from XXXX and XXXX, which both confirm that I have never been late on this account. Attach shows copies of the other agencies infomation. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally obligated to ensure the maximum possible accuracy of the information it reports. Specifically : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must adopt reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Upon notification of a dispute by a consumer, a credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete it within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

Your response to my dispute states that the disputed item has been " verified. '' However, this verification lacks credibility as it directly conflicts with my XXXX and XXXX reports. Such a discrepancy demonstrates a failure in the investigation process and a violation of the FCRA. 

Documentation Request : If TransUnion continues to claim the validity of this information, I demand : Documentation supporting the verification of this account and payment history. 
The name and employee identification number of the individual ( s ) who conducted the investigation and determined the validity of this information.

Proof that this verification was conducted independently and not solely through the E-Oscar system, as such automated processes have repeatedly failed to meet the " reasonable investigation '' standard required under the FCRA.

Immediate Resolution Demanded : If TransUnion can not provide the requested documentation or independently verify the accuracy of the disputed information, I demand the immediate deletion of the inaccurate account entry from my credit report. 

Legal Precedents : TransUnion 's failure to act on this matter constitutes a violation of federal law and subjects the agency to liability under the FCRA. Numerous cases have established precedent for holding credit agencies accountable for inaccuracies and inadequate investigations, including : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case highlighted the responsibility of credit reporting agencies to conduct a thorough and reasonable investigation when a consumer disputes an item. 
XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX ( XXXX XXXX XXXX ) : The court emphasized that failing to delete unverifiable information constitutes willful noncompliance. 
By continuing to report inaccurate information, TransUnion is violating my consumer rights under federal law, using false, misleading, and deceptive practices. If immediate corrective action is not taken, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), file a formal complaint, and pursue all available legal remedies. 

I expect a complete response within the timeline mandated by the FCRA. Please treat this letter as formal notice of your obligation to comply with federal law. 

Sincerely, XXXX XXXX