Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their failure to accurately report information on consumer reports and disregard for compliance obligations under the Fair Credit Reporting Act ( FCRA ). This complaint addresses specific instances of statutory noncompliance with 605B and 611 of the FCRA. I submitted a formal dispute to TransUnion regarding several fraudulent accounts that appeared on my credit report. Along with my dispute, I provided the following documentation to substantiate my claim : A valid identity theft affidavit ( FTC Report XXXX & XXXX ) Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach. 
Despite the comprehensive nature of my submission, TransUnion failed to block the disputed items within the four-business-day requirement outlined in FCRA 605B. Instead, they claimed that the accounts were " verified '' without disclosing the sources or evidence used in this verification process. This lack of transparency contravenes FCRA 611, which mandates credit reporting agencies to conduct reasonable reinvestigations and provide documentation of their findings.

FCRA 605B requires credit reporting agencies to block fraudulent information resulting from identity theft within four business days of receiving proper documentation. XXXX refusal to comply with this legal obligation constitutes a direct violation of federal law. Under 611, credit reporting agencies must conduct a thorough reinvestigation when a consumer disputes information in their credit report. TransUnion failed to : Provide detailed information on their verification process, including the furnishers or third-party entities relied upon. Address discrepancies or corroborate the legitimacy of the disputed accounts. These failures undermine my right to accuracy and transparency in credit reporting, which are key protections guaranteed by the FCRA.

TransUnion 's disregard for FCRA requirements aligns with a broader pattern of noncompliance. For example : In CFPB v. TransUnion ( XXXX ), the company was found to have violated a XXXX consent order requiring enhanced compliance with credit reporting laws. Instead, TransUnion employed deceptive practices, including misleading consumers about subscription services The Supreme Court case TransUnion LLC XXXX XXXX ( XXXX ) revealed systematic inaccuracies in credit reporting, harming consumers through erroneous XXXX alerts SUPREME COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : Established the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : XXXX  consumers rights to a fair investigation of disputes under the FCRA. 

XXXX failure to fulfill its statutory duties not only violates the FCRA but also compromises the integrity of credit reporting. Their continued noncompliance with both legal requirements and prior CFPB orders reflects a disregard for consumer protection. I urge the CFPB to address these violations and take appropriate enforcement actions.