Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Email : [ Your Email Address ] Phone : [ Your Phone Number ] Date : XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Complaint Against TransUnion for Failure to Correct Incorrect and Outdated Information on My Credit Report Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for failing to correct incorrect and outdated information on my credit report, despite my efforts to inform them of these discrepancies. 

On XX/XX/XXXX, I submitted a certified letter to TransUnion requesting that they remove outdated information, incorrect addresses, incorrect names, and fraudulent inquiries from my credit report. I specifically notified them of multiple errors, including incorrect addresses, incorrect names, and multiple fraudulent inquiries that I did not authorize or recognize. 

However, on XX/XX/XXXX, I received a response from TransUnion that contained the same incorrect and outdated information, as well as the same credit report that I had initially identified as being incorrect. Despite my clear request for these issues to be corrected, TransUnion has failed to make any updates or changes to reflect the correct and only valid information on my credit report. 

It has now been over 30 days since I sent my certified letter to TransUnion, and they have not complied with the necessary corrections. This delay is a direct violation of my rights under the following laws and regulations : Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX et seq. 

Under XXXX U.S.C. XXXX ( a ), a credit reporting agency is required to investigate and correct any inaccuracies or incomplete information on a credit report within 30 days of receiving a dispute. TransUnion has failed to fulfill this obligation, as they did not remove outdated or incorrect information and allowed fraudulent inquiries to remain. 
Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX Under this section, consumer reporting agencies are required to remove obsolete information from credit reports, such as outdated addresses or accounts that are past the statute of limitations for reporting. I requested the removal of outdated information, but TransUnion has not taken any action in compliance with these guidelines. 
Identity Theft and Fraud Protections XXXX U.S.C. XXXX XXXX XXXX U.S.C. XXXX, if I believe that fraudulent inquiries have been made on my credit report, I have the right to request that these inquiries be removed. TransUnion has not corrected or removed fraudulent inquiries, even though I have raised this concern with them. 
Timeliness Requirement for Dispute Resolution XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) This section outlines the requirement for a credit reporting agency to resolve disputes within 30 days. TransUnions failure to correct the errors and respond within the statutory period is a clear violation of this law. 
Given these violations, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and assist in ensuring that TransUnion immediately removes all outdated information, incorrect addresses, incorrect names, and fraudulent inquiries from my credit report. 

Below are my personal details for your reference : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to protect my rights under the Fair Credit Reporting Act and other relevant consumer protection laws. Please let me know if you require any additional documentation or information. 

Sincerely, XXXX XXXX XXXX