Product: Credit reporting or other personal consumer reports

**XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX **Date : XXXX **To : ** Consumer Financial Protection Bureau ( CFPB ) **Subject XXXX XXXX Formal Complaint Against TransUnion for FCRA Violations and Failure to Comply with CFPB Directives **Dear Sir/Madam, ** I am writing to formally lodge a complaint against TransUnion for their persistent violations of the Fair Credit Reporting Act ( FCRA ) and their failure to comply with directives from the Consumer Financial Protection Bureau ( CFPB ). Despite my repeated efforts to correct inaccurate and fraudulent information on my credit report, TransUnion has continuously ignored my requests and failed to adhere to the regulations set forth under the FCRA. 

# # # Background : Over the past several months, I have contacted TransUnion 13 times to dispute the erroneous information on my credit report. Specifically, the accounts in question are : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Despite providing TransUnion with a comprehensive package of documentation, including an FTC Identity Theft Report, a police report, my driver 's license, and my Social Security card, they have failed to take appropriate action to remove the fraudulent information from my credit report. The violations of the FCRA are as follows : **1. FCRA 605B : Blocking Information Resulting from Identity Theft** - **Violation : ** TransUnion did not block the disputed information within four business days after receiving proof of identity theft. 
- **Penalty : ** Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

**2. FCRA 611 : Procedure in Case of Disputed Accuracy** - **Violation : ** TransUnion did not reinvestigate the disputed information within 30 days, continuing to report it inaccurately. 
- **Penalty : ** Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

XXXX. Double Reporting : ** - **Violation : ** TransUnion reported the same debt twice under different names, misleadingly and unfairly impacting my credit score. 
- **Details : ** After I successfully disputed the XXXX  account and it was removed due to identity theft, TransUnion allowed the same debt to reappear on my credit report under a different name, XXXX XXXX XXXX XXXX This new entry was reported as a separate account, causing double reporting of the same debt and misleadingly lowering my credit score further. 
- **Penalty : ** Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

# # # Impact and Damages : Due to these violations, my credit score has dropped significantly, resulting in the denial of a {$50000.00} loan. This denial has caused substantial financial XXXX XXXX XXXX for which I am seeking {$50000.00} in damages. I intend to sue for the following : 1. **Actual Damages : ** - The {$50000.00} loan I was denied due to the inaccurate information. 
- Any other financial losses resulting from the credit report errors. 
- Emotional distress and harm to my reputation. 

2. **Statutory Damages : ** - For willful noncompliance, statutory damages ranging from {$100.00} to {$1000.00} per violation, as well as punitive damages. 

3. **Attorneys Fees and Costs : ** - Recovery of attorneys fees and court costs, as allowed by the FCRA XXXX 

# # # Requested Action : I request that the CFPB take the following actions : 1. Investigate TransUnion for their repeated violations of the FCRA.

2. Ensure that TransUnion blocks and removes the disputed accounts from my credit report.

3. Impose appropriate penalties on TransUnion for their noncompliance with FCRA provisions.

4. Ensure that I am compensated {$50000.00} for the financial damages incurred due to these violations. 

Attached to this letter are all supporting documents, including the FTC Identity Theft Report, police report, and my verification documents, for your review. Please note that the case number XXXX was provided by XXXX, acting on behalf of XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX