Product: Credit reporting or other personal consumer reports

, Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint against TransUnion, XXXX, and XXXX for multiple violations of federal laws governing credit reporting and consumer privacy. Specifically, I believe these credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( i ) and 1681i, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6805, the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, and the Privacy Act of 1974, 5 U.S.C. 552a. 

1. Violations of the Fair Credit Reporting Act ( FCRA ) : The FCRA mandates that credit reporting agencies maintain accurate and complete information in consumer reports. Section 15 U.S.C. 1681i places a requirement on these agencies to conduct a reasonable investigation when a dispute is raised by a consumer. Despite my numerous attempts to dispute inaccurate information on my credit reports, I have received no effective responses or resolutions. The inaccurate entries include : These inaccuracies jeopardize the integrity of my credit report and have impacted my creditworthiness adversely.

2. Violations of the Gramm-Leach-Bliley Act ( GLBA ) : The GLBA, specifically 15 U.S.C. 6801-6805, mandates that financial institutions protect consumer privacy. I have discovered unauthorized inquiries on my credit report for which I did not provide consent. This represents a clear violation of my right to control access to my personal financial information.

3. Violations of the Fair Credit Billing Act ( FCBA ) : I believe the actions of these credit bureaus also infringe upon my rights under 15 U.S.C. 1666b, as they have failed to provide proper procedures for disputing billing errors. My written requests and disputes have gone unanswered, violating my rights under this act.

4. Violations of the Privacy Act of 1974 : Under the Privacy Act, 5 U.S.C. 552a, I have the right to know what personal information is being collected about me and to whom it is being disclosed. I have been unsuccessful in obtaining this information, especially concerning unauthorized inquiries.

5. Section 1681a ( 2 ) ( I ) : Section 15 U.S.C. 1681a ( 2 ) ( I ) concerns the transactions and experiences commonly used in credit reports. The inaccuracies reported suggest a failure in this area, further undermining my trust in the credit reporting process. 

I expect these agencies to adhere strictly to the provisions of the FCRA and other relevant laws, ensuring they provide accurate, complete, and timely information to consumers. I ask the Consumer Financial Protection Bureau to investigate these matters thoroughly and hold these credit bureaus accountable for their actions. 

Thank you for your attention to this significant issue. I look forward to your prompt action in resolving my complaints and restoring the accuracy and integrity of my credit reports. 

I hope this letter finds you well. I am writing to formally request your assistance regarding serious discrepancies found in my credit report. After obtaining a copy of my credit report, I discovered numerous unauthorized inquiries, as well as variations of my name and outdated addresses associated with my report. 

Despite my efforts to resolve these issues by sending multiple letters to the credit reporting agencies, I have yet to receive a satisfactory response or resolution. These inaccuracies not only affect my creditworthiness but also represent a significant source of stress and concern. 

Specifically, I would like to outline the issues I am experiencing : 1. Numerous unauthorized inquiries that I did not authorize.

2. Variations of my name that do not accurately reflect my legal name.

3. Outdated addresses that should no longer be associated with my credit report. 

I believe that these errors may be contributing to a negative impact on my credit score and overall financial history. I kindly request your support in facilitating the correction of these inaccuracies and in assisting me with the removal of the unauthorized inquiries. 

Enclosed are copies of the relevant documentation I have previously sent to the credit reporting agencies, as well as copies of my credit report highlighting the discrepancies. 




I am writing to formally dispute the charge-off account reported by under my name, account number [ Account Number ]. This correspondence serves as a notice of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I would like to bring to your attention that, under the FCRA ( 15 U.S.C. 1681 ), consumers have the right to dispute any information in their credit report that they believe is inaccurate or incomplete. I believe that the charge-off designation on my account is misleading and improperly represented for the following reasons : 1. IRS Conclusions on Charge-Offs : The Internal Revenue Service XXXX IRS ) has concluded that a charge-off can be considered income to a debtor under certain circumstances. However, this should be reported accurately through a Form 1099-C ( Cancellation of Debt ) if applicable. To date, I have not received a 1099-C concerning this debt, which calls into question the legitimacy of the charge-off being reported. As such, it should not be treated as a completed transaction as it lacks adequate documentation. 

2. Reporting of Late Payments : The Fair Credit Reporting Act requires that all information reported to credit bureaus must be accurate and reflect the true payment history. If [ Creditor 's Name ] has reported late payments leading up to the charge-off, I demand verification of these claims. If accurate payment history exists, it should not have been misrepresented as an accumulation of late payments leading to a charge-off. 

3. FDCPA Compliance : Furthermore, I would like to assert my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If or any collection agency that reports on this account has failed to provide adequate validation of the debt when requested, this can be deemed a violation of my rights under the FDCPA as well. 

Given these points, I request a detailed investigation into this matter. I ask that you provide documentation of the charge-off, proof that a 1099-C has been issued to the IRS, and verification of any late payments or outstanding balances. If you can not provide such documentation, I request that you immediately correct the reporting of this account with the credit bureaus.

I expect a response to this dispute within the 30-day period as mandated by the FCRA. Please send your response to my address listed above. 




XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX  XXXX High Balance {$3400.00} {$3400.00} {$0.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$2100.00} {$2100.00} {$2100.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Bank Credit Cards All Banks All Banks Account Status Open Open Open Payment Status Current Current Current Creditor Remarks -- -- Credit card Amount in H/C column is credit limit Original Creditor -- -- -- Payment Amount {$69.00} {$69.00} {$69.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Credit Card Credit Card Credit Card Payment Frequency Credit Limit {$3500.00} {$3500.00} {$3500.00} XXXX XXXX  Filters TransUnion XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX High Balance {$1200.00} {$1200.00} {$0.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$400.00} {$89.00} {$89.00} Closed Date -- -- -- Account Rating Open Open Open Account Description Authorized User Authorized User Authorized User Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Bank Credit Cards Bank Credit Cards National Credit Card Companies Account Status Open Open Open Payment Status Current Current Current Creditor Remarks -- -- Credit card Amount in H/C column is credit limit Original Creditor -- -- -- Payment Amount {$40.00} {$40.00} {$40.00} Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length -- -- -- Past Due Amount {$0.00} {$0.00} {$0.00} Account Type Credit Card Credit Card Credit Card Payment Frequency Credit Limit {$3000.00} {$3000.00} {$3000.00} XXXX XXXX XXXX Filters XXXX XXXX Account # XXXX High Balance {$0.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$36000.00} Closed Date -- Account Rating Derogatory Account Description Responsible in Case of Default Dispute Status Account not disputed Creditor Type All Banks Account Status Closed Payment Status Collection/Chargeoff Creditor Remarks Unpaid balance reported as a loss by credit grantor. 
Original Creditor -- Payment Amount {$0.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$36000.00} Account Type Charge account Payment Frequency Credit Limit {$36000.00} XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX High Balance {$23000.00} {$0.00} {$19000.00} Last Verified XX/XX/XXXX -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed {$23000.00} {$23000.00} {$23000.00} Closed Date XX/XX/XXXX -- -- Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Miscellaneous Banks Bank Credit Cards All Banks Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Original Creditor -- -- -- Payment Amount 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 TransUnion XXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 Account Rating Derogatory Derogatory Derogatory Account Description Individual Individual Individual Dispute Status Account not disputed Account not disputed Account not disputed Creditor Type Personal Loan Companies Personal Loan Companies Personal Loan Companies Account Status Closed Closed Closed Payment Status Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks Charged off as bad debt Purchased by another lender Purchased by a another lender . 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Account transferred or sold Original Creditor -- -- -- Payment Amount {$0.00} {$0.00} {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$3000.00} {$3000.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance Owed {$7400.00} {$7400.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length 1 Month ( s ) -- Past Due Amount {$7400.00} {$7400.00} Account Type Unknown - credit extension, review, or collection XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} INQUIRIES UNAUTHORIZED XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX