Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for FCRA Violations and XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for failure to properly investigate my dispute, failure to block fraudulent accounts, and deceptive practices in handling my credit report. Despite my submission of an FTC Identity Theft Affidavit, a police report, a government-issued ID, my Social Security card , and proof of residence, TransUnion has refused to comply with the Fair Credit Reporting Act ( FCRA ), violating multiple provisions of federal law. 
XXXX. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( XXXX ) ) TransUnion claims that it conducted an investigation and verified the XXXX XXXX XXXX XXXX and XXXX XXXX accounts as accurate. However, they failed to provide : * Any documentary evidence from the furnishers proving that these accounts belong to me. 
* Any explanation of how the verification was conducted. 
* The specific method of verification, as required under 15 U.S.C. 1681i ( a ) ( XXXX ). 
Without providing concrete evidence supporting their verification, TransUnion has failed to meet its statutory obligation under the FCRA to conduct a proper reinvestigation. 
XXXX. Failure to XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) Under 15 U.S.C. 1681c-2, a consumer reporting agency must block identity theft-related information upon receiving appropriate documentation. Despite my submission of an FTC Identity Theft Affidavit and a police report, TransUnion has refused to block fraudulent accounts, claiming my documentation was " not acceptable '' without explanation. 
* This is a clear violation of federal law, as no additional verification should be required beyond what was submitted. 
* TransUnion has no authority to override a police report or FTC Identity Theft Affidavit. 
This noncompliance has resulted in ongoing harm to my credit profile and financial well-being. 
XXXX. Deceptive Practices and Unfair Treatment ( 15 U.S.C. 1681s-2, 15 U.S.C. 1681e ( b ) ) TransUnion has engaged in deceptive and unfair practices by : * Reinserting deleted items without proper notification, violating 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). 
* Providing misleading statements regarding their investigation process. 
* Refusing to allow me access to my report online or via telephone, stating they " can not verify me '' despite my personal information being correct. 
TransUnions repeated failures demonstrate willful noncompliance with the FCRA. Courts have ruled that such negligence constitutes a legal violation ( XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) ), where credit bureaus were found liable for failing to conduct reasonable investigations. 
XXXX. XXXX  and XXXX XXXX  Due to TransUnions Negligence As a direct result of TransUnions refusal to remove fraudulent accounts and correct my credit report : * I have been denied credit opportunities due to false information. 
* My credit score has been negatively impacted, leading to higher interest rates and financial loss. 
* I have suffered emotional distress and frustration, spending significant time and effort trying to correct these errors. 
Demands for XXXX XXXX I demand that TransUnion comply with federal law and immediately take the following actions : XXXX. Immediately block fraudulent accounts, including XXXX XXXX XXXX XXXX and XXXX XXXX, as required under 15 U.S.C. 1681c-2. 
XXXX. Provide a detailed method of verification for any information TransUnion claims to have verified ( as required under 15 U.S.C. 1681i ( a ) ( XXXX ) ). 
XXXX. Remove all unverifiable or inaccurate items from my credit report, as required under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 
XXXX. Provide a full explanation of why my valid identity theft documentation was rejected. 
If this matter is not resolved promptly, I will pursue legal action under FCRA XXXX for willful noncompliance, seek monetary damages, and escalate this complaint to the Federal Trade Commission ( FTC ) and my XXXX XXXX XXXX XXXX 
I trust that the CFPB will hold TransUnion accountable for its deceptive practices. I expect a prompt resolution within the XXXX timeframe required by law. 
Sincerely, XXXX XXXX