Product: Credit reporting or other personal consumer reports

I submit this formal complaint against TransUnion for its continued and willful violations of federal consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations include the unlawful reinsertion of previously deleted accounts without proper notification, failure to ensure maximum possible accuracy, failure to investigate disputes within the mandated timeframe, failure to provide verification details upon request, and failure to validate debt prior to reporting. 

Background & Violations My credit report contains fraudulent accounts, unauthorized inquiries, and incorrect personal information that TransUnion has failed to properly investigate and address despite multiple disputes and supporting documentation. Additionally, TransUnion has removed fraudulent accounts and unauthorized inquiries only to reinsert them without proper validation, constituting an egregious violation of 15 U.S.C. 1692g ( a ) and ( b ). 

I sent a certified dispute letter to TransUnion requesting verification details, including contracts, signatures, and all relevant documentation for these accounts and inquiries. Despite more than 15 days passing, I have not received any response or documentation, which constitutes additional violations of federal consumer protection laws, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to investigate disputes within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to provide notice and certification before reinserting previously deleted information.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1692g ( a ) ( 4 ) : Failure to provide verification of debt, including original contracts and signatures, upon request.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide specific details on dispute findings.

Related Lawsuits & CFPB Actions The CFPB has actively taken enforcement actions against credit bureaus for similar violations, further demonstrating a pattern of noncompliance. Legal precedents reinforcing the validity of my complaint include : TransUnion Settlement ( XX/XX/XXXX ) : The CFPB and FTC reached a {$15.00} XXXX settlement with TransUnion for failing to ensure the accuracy of tenant screening reports. 

XXXX XXXX ( XX/XX/XXXX ) : The CFPB sued XXXX for failing to properly investigate consumer disputes and allowing erroneous information to reappear on credit reports. 

XXXX XXXX ( XX/XX/XXXX ) : The CFPB sued XXXX for repeated FCRA violations, misleading consumers, and allowing erroneous reinsertion of previously deleted data without proper consumer notification. 

Fraudulent Accounts, Unauthorized Inquiries & Incorrect Personal Information I request the immediate removal and blockage of all inaccurate and fraudulent accounts, unauthorized inquiries, and incorrect names and addresses from my credit file in accordance with the CFPBs lawsuits against the bureaus. The specific items include, but are not limited to : Fraudulent Accounts : XXXX XXXX XXXX XXXX ( Account # XXXX & # XXXX ) : XXXX XXXX  ( Account # XXXX ) : XXXX XXXXl ( Account # XXXX & # XXXX ) : Unauthorized Inquiries : The following companies have placed fraudulent and unauthorized inquiries on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These inquiries must be removed immediately as they were made without my consent. 

Incorrect Personal Information : Incorrect Names : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, XXXX, MN XXXX Incorrect Employer : XXXX XXXX Demands for Resolution Immediate Removal and Blockage : Remove and block all fraudulent accounts, unauthorized inquiries, and incorrect personal information from my credit file at TransUnion, ensuring they are not reinserted without proper validation. 

Written Confirmation : Provide written confirmation of the removal of these accounts, inquiries, and incorrect information along with an updated copy of my credit report. 

Thorough Investigation : Conduct a full investigation into how these fraudulent accounts, inquiries, and incorrect personal details were recorded without my consent, with written findings including all requested verification details.

Compliance with Identity Theft Protections : Implement fraud alerts and provide me with identity theft resources as mandated under 15 U.S.C. 1681g ( e ).

Conclusion The continued noncompliance by TransUnion has caused significant financial harm and distress. The reinsertion of fraudulent accounts and inquiries without proper validation exacerbates these violations. Given the CFPBs history of legal action against credit bureaus for similar misconduct, I urge immediate enforcement action to ensure compliance with federal law and provide appropriate remedies under 15 U.S.C. 1681n and 1681o for willful and negligent violations. 

Your intervention is necessary to ensure TransUnion is held accountable and that my credit report is permanently corrected. 

Sincerely, XXXX XXXX