Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion Unauthorized Accounts & Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its continued failure to maintain accurate credit reporting, resulting in severe harm to my financial standing. TransUnion has wrongfully merged my credit file with another individual who shares my name but has no other matching identifiers, leading to the unauthorized reporting of two inaccurate accounts on my credit report : 1. XXXX XXXX XXXX XXXX XXXX {$8000.00} 2. XXXX  XXXX Bankruptcy ( Not Mine ) These accounts do not belong to me. The individual associated with this bankruptcy and debt resides in XXXX XXXX XXXX, but we are not the same person. TransUnions negligence in failing to distinguish between our credit files has resulted in these false and damaging entries on my report. 
Violations of Federal Law by TransUnion By reporting accounts that are not mine and failing to correct these errors despite my disputes, TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy Credit bureaus must ensure the maximum possible accuracy of consumer reports.

TransUnion has failed this obligation by merging my credit file with another persons, causing substantial harm to my creditworthiness.

15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation Credit bureaus must promptly and reasonably reinvestigate disputed information.

Despite my clear and repeated disputes, TransUnion has failed to permanently remove these inaccuracies.

15 U.S.C. 1681c Prohibition on Reporting Inaccurate or Obsolete Information Incorrect, unverifiable, or obsolete information must be deleted.

The bankruptcy and debt reported are not mine and therefore must be immediately removed.

31 U.S.C. 5118 Reporting Only Legally Valid Debts Credit reporting agencies can only report debts associated with the correct consumer.

Because these accounts belong to another person, TransUnion has no legal grounds to report them under my name.

Actions Demanded To resolve this issue, I am demanding that : 1. TransUnion immediately and permanently delete the XXXX XXXX XXXX XXXX XXXX account and the XXXXXXXX  XXXX bankruptcy from my credit report. 

2. TransUnion provide written confirmation that these accounts have been permanently removed and will not be reinserted.

3. TransUnion conduct a full investigation into how my credit file was merged with another individuals and detail the steps it will take to prevent this from recurring.

Failure to Comply If TransUnion fails to take immediate corrective action, I will escalate this matter by : Pursuing legal action for damages under 15 U.S.C. 1681n and 1681o for TransUnions willful and negligent noncompliance with federal law.

Filing additional formal complaints with the Federal Trade Commission ( FTC ) and my states Attorney General to hold TransUnion accountable.

Final Notice This is a serious matter that requires urgent intervention. TransUnions failure to correct these errors is directly harming my ability to obtain credit and financial opportunities. I request the CFPBs immediate action to ensure compliance with federal law.

I have enclosed supporting documentation, including proof of my identity, prior dispute records, and evidence confirming that these accounts do not belong to me.

Thank you for your time and immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX