Product: Credit reporting or other personal consumer reports

All XXXX consumer reporting agencies continue to ignore disputes with included valid information including screenshots of credit reports showing inaccurate information. The inaccurate information needs to be removed. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB- XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : FORMAL COMPLAINT AGAINST TRANSUNION, XXXX AND XXXX FOR WILLFUL VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS To Whom it May Concern, This is a formal demand for immediate action regarding the willful and negligent violations committed by XXXX, XXXX, and Transunion against my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. and other applicable laws. I am submitting this formal complaint against XXXX, XXXX, and Transunion for failing to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) regarding my dispute of violation of my consumer rights regarding my consumer report. Even though they have continued to ignore my dispute, I have continuously supplied the required information for them to remove inaccurate information including screen shots of my consumer report also demonstrating my consumer rights violations.

VIOLATIONS COMMITTED AGAINST ME Engaging in Unfair and Deceptive Practices ( 15 U.S.C. 45 FTC Act ) The actions of consumer reporting agencies constitute unfair and deceptive practices by intentionally disregarding federal law and harming consumers like me. The reporting of inaccurate information ( FCRA 623, 15 U.S.C. 1681s-2 ) and their willful negligence regarding compliance in addition to knowingly report false and inaccurate information, violating my rights under the FCRA is simply reckless. Not only has it damaged my creditworthiness, I know they are now liable for this harm. 
Despite my good faith and relentless efforts to dispute erroneous, inaccurate, and unverified information on my consumer report XXXX, XXXX, and Transunion has blatantly ignored federal law and engaged in the following violations : XXXX. Failure to Conduct a Reasonable Investigation ( FCRA 611 ) XXXX. Failure to Provide the Method of Verification ( FCRA 611 ( a ) ( 7 ) ) 3. Continuing to Report Inaccurate Information ( FCRA 623 ) 4. Failure to Respond Within XXXX Days ( FCRA 611 ( a ) ( 1 ) ) \ 5. Reporting Late Payments 6. Violation of Privacy 7. Sharing information as a third party Requested Resolution I am not requesting, but demanding that the CFPB take immediate enforcement action against XXXX, XXXX, and Transunion for their blatant and willful violations of federal law. The following actions must be taken without delay : Immediate deletion of the inaccurate, unverifiable, and disputed accounts from my consumer report. 
Full disclosure of the method of verification used to " verify '' the inaccurate information. 
Financial compensation for damages caused by your illegal reporting practices. 
Fines and penalties imposed on XXXX, XXXX, and Transunion for their willful disregard of consumer protection laws. 
I am fully prepared to escalate this matter and file legal action for violations under 15 U.S.C. 1681n, which provides for actual damages, statutory damages up to {$1000.00} per violation, and attorneys fees. I will also be filing complaints with the FTC, my state Attorney General, and the U.S. Senate Committee on Banking , Housing, and Urban Affairs to expose these deceptive practices.

This is their FINAL NOTICE to comply before I take further legal action. I expect a response within 15 days. Failure to act will result in additional complaints, public exposure, and potential legal consequences.

I am attaching copies of my consumer reports with the issues for your review.

I appreciate the CFPBs assistance in holding these agencies accountable and ensuring that consumers ' rights under the FCRA are protected. Please inform me of any updates regarding this complaint. 

Sincerely, XXXX XXXX