Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Permanent Deletion of Inaccurate Bankruptcy Record Dear TransUnion Dispute Department, I am formally disputing the inaccurate bankruptcy record reporting on my TransUnion credit report. I have never filed for bankruptcy, and this record is erroneously associated with my credit profile. This is a clear case of mistaken identity, as this bankruptcy belongs to another individual named XXXX XXXX. 

A representative from your Fraud Department confirmed with me that TransUnion never sent a postcard to the XXXX Bankruptcy XXXX to verify the validity of this bankruptcy. Instead, your company relied on a XXXX report, which is not an official or legally acceptable source for confirming a bankruptcy filing. This failure to follow proper verification procedures constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have written documentation from TransUnion, dated XX/XX/year>, stating : After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. Based on the documents you provided, we sent you a letter to inform you the documents provided were unacceptable ; we included a list of acceptable documents and provided instructions on where to send them. The dispute investigation ( XXXX ) that were initiated for the following account ( XXXX ) and/or public record ( XXXX ) have been cancelled at your request : XXXX XXXX XXXX CALIFORNIA. 

This response from TransUnion is unacceptable, as I never requested to cancel my dispute. Further, I confirmed with a clerk at the XXXX Bankruptcy XXXX that they do not report to any credit bureaus, which further supports my claim that TransUnion failed to properly verify this information. Additionally, this bankruptcy is only reporting on my TransUnion credit report and does not appear on my XXXX or XXXX reports, further indicating an error in TransUnion 's records. 

Legal Violations Supporting My Dispute : 15 U.S.C. 1681e ( b ) - Failure to Assure Maximum Possible Accuracy : TransUnion failed to follow reasonable procedures to ensure that my credit report is accurate by relying on third-party data instead of verifying directly with the source.

15 U.S.C. 1681i ( a ) - Failure to Conduct a Proper Reinvestigation : TransUnion did not investigate my dispute properly and instead canceled it without a legitimate basis.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Duty to Delete Inaccurate Information : If an item can not be verified, it must be removed from the consumers credit file. Since the U.S. Bankruptcy Court does not report to TransUnion, this record is unverified and must be deleted immediately.

Fair Resolution Request : Immediate and permanent deletion of the bankruptcy record from my TransUnion credit report.

A written confirmation that the bankruptcy has been removed within 30 days, as required by law.

Assurance that TransUnion will not reinsert this inaccurate bankruptcy record into my credit file.

A full disclosure of all sources TransUnion used to verify the bankruptcy record and an explanation as to why proper verification procedures were not followed.

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action to enforce my rights.

I expect a prompt response and resolution to this matter within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX