Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for continuously providing false information regarding my identity theft fraud block request and admitted unverified accounts. 

On XX/XX/XXXX, I formally notified TransUnion under 15 U.S.C. 1681c2, requesting the removal of fraudulent accounts due to identity theft. I provided all necessary documentation, including : - A copy of my government-issued driver 's license with my photo and current address - A utility bill verifying my address - A signed personal affidavit - An FTC Identity Theft Report detailing the fraudulent accounts and account numbers According to certified mail records, TransUnion received my documentation on December 22, 2024. However, they failed to comply with the law and did not remove all fraudulent accounts within the required four business days.

Instead, on December 25, 2024, TransUnion sent me a letter stating they could not process my fraud block request due to " Reason 1 : Your request is missing essential personal identifying information. '' This claim is false, as I had already provided all necessary documentation, which I later resubmitted to the CFPB in my initial complaint filed on December 28, 2024. 

In response to my CFPB complaint, TransUnion acknowledged receipt of my documents and stated on December 29, 2024 : " We received your complaint about the items in your credit report and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. '' Despite this acknowledgment, on December 31, 2024, I received another identical letter from TransUnion falsely stating that my personal identifying information was missing. However, TransUnion did remove some fraudulent accounts from my credit report while failing to remove the XXXXXXXX XXXX account # XXXX, which was explicitly included in my identity theft report. 

On XX/XX/XXXX, I submitted an additional complaint regarding TransUnion 's noncompliance. On XX/XX/XXXX, TransUnion responded to the CFPB with the statement : " XXXX XXXX XXXX UN-VERIFIED AS REPORTED. '' This statement is an admission that the account is unverified, yet they continue to report it on my credit file. Per the FCRA, reporting unverified information is illegal. 

Furthermore, TransUnion falsely claimed that they had sent me their affidavit form, which I never received. 

I request that the CFPB take action against TransUnion for violating the FCRA by : XXXX. Failing to remove fraudulent accounts within the legally required four business days per 15 U.S.C. 1681c2. 
XXXX. Providing false and misleading information regarding missing personal identifying information. 
XXXX. Continuing to report an account they admitted was unverified within the statutory timeframe, which violates the FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) 4. Falsely claiming to have sent me an affidavit form.

This ongoing issue has significantly impacted my financial well-being and that of my family. I respectfully request that the CFPB hold TransUnion accountable for its illegal practices and require them to remove the XXXXXXXX XXXX  account immediately, as mandated by law. 

I appreciate your attention to this matter and look forward to your prompt resolution.