Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
TransUnion LLC Subject : Formal Complaint : Persistent Noncompliance and Fraudulent Reporting of Unauthorized and Inaccurate Information To Whom It May Concern, XXXX has demonstrated egregious noncompliance with federal law by continuing to report unauthorized and inaccurate information on my consumer report, despite multiple disputes and a valid FTC Identity Theft Report. Not only has XXXX failed to block the disputed accounts, names, and addresses within the mandated XXXX ( XXXX ) business days under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), but they have also perpetuated fraudulent reporting practices by ignoring my opt-out request under 15 U.S.C. 6802 ( b ) ( c ). This dual failure constitutes a severe breach of federal obligations and reflects intentional and predatory practices. XXXX actions blatantly misrepresent my creditworthiness, infringe on my privacy rights, and violate the FTC Act by engaging in unfair and deceptive conduct. Their continued inaction is not only unlawful but also morally reprehensible, as it exploits my consumer report for profit while willfully disregarding my legal rights and the harm caused by these inaccuracies. 



This letter serves as my notice to XXXX, XXXX, and TransUnion regarding their blatant and willful violations of federal law. Despite submitting multiple complaints, including an FTC Identity Theft Report, and providing proof of unauthorized and inaccurate information being reported, XXXX, XXXX, and TransUnion have refused to fulfill their federal obligations under the Fair Credit Reporting Act ( FCRA ). 

This persistent inaction and willful disregard for federal law is not only fraudulent but demonstrates malicious intent to harm me as a consumer. The agencies actions are in clear violation of federal statutes, including FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of disputed information within XXXX ( XXXX ) business days. 

Unauthorized Accounts, Names, and Addresses The following unauthorized accounts continue to remain on my consumer report despite their fraudulent nature and repeated disputes : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following unauthorized names, addresses, and phone numbers remain on my consumer report against my will : Names : Only XXXX XXXX XXXX Not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone Numbers : ( XXXX ) XXXX Violations of Federal Law 1. Failure to Block Information Under FCRA Section 605B Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block fraudulent or disputed information within XXXX ( XXXX ) business days of receiving a valid FTC Identity Theft Report. By continuing to report these unauthorized accounts, names, and addresses, XXXX, XXXX, and TransUnion are flagrantly disregarding this federal mandate.

2. Fraudulent Intent and Predatory Practices Continuing to report unauthorized accounts and refusing to block them after valid disputes constitute aggravated fraud and malicious intent. By profiting from the reporting of this false information, these agencies are in violation of 18 U.S.C. 894, which prohibits the extortionate use of consumer credit information.

3. Violation of Consumer Privacy Rights The reporting of unauthorized accounts, names, addresses, and phone numbers violates 15 U.S.C. 1681 Section 602 ( a ), which emphasizes consumer reporting agencies duty to operate with fairness, impartiality, and respect for privacy.

4. Deceptive Practices in Violation of FTC Regulations The refusal to comply with federal requirements while maintaining false and harmful information on my credit report constitutes a violation of FTC Act Section 5 ( a ), which prohibits unfair and deceptive practices that harm consumers.

5. Failure to Comply with Opt-Out Request Under 15 U.S.C. 6802 ( b ) ( c ), I exercised my right to opt out of unauthorized reporting, yet my explicit request has been ignored. This willful defiance demonstrates a complete lack of respect for consumer rights and privacy.

Severe Consequences for Noncompliance Failure to act on this matter promptly will result in the following : 1. Federal and Legal Escalation : I will escalate this matter to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), and legal counsel to hold XXXX, XXXX, and TransUnion accountable for violating federal laws.

2. Penalties Under FCRA : Noncompliance will subject these agencies to statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n and 1681o.

3. Criminal Penalties Under 18 U.S.C. 894 : Continuing to profit from the unauthorized reporting of my information constitutes extortionate use of consumer credit, punishable by fines and imprisonment of up to 20 years.

4. Injunction for Systemic Noncompliance : I will pursue legal action to seek a permanent injunction against these agencies to prevent further violations of federal law.

Fair Resolution To resolve this matter, I demand the immediate removal of all unauthorized and inaccurate accounts, names, addresses, and phone numbers from my consumer report. I further demand a written confirmation of compliance within XXXX ( XXXX ) business days of receiving this notice. 

Continued inaction will only strengthen my case for legal recourse and enforcement action by federal authorities. The law is on my side, and I will not hesitate to pursue all available remedies to protect my rights as a consumer. 

Conclusion The actions of XXXX, XXXX, and TransUnion are not just unlawful but a direct attack on my financial stability, personal reputation, and consumer rights. This is your final opportunity to rectify these egregious violations before facing the full weight of federal penalties and legal accountability. 

Sincerely, XXXX XXXX