Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : XXXX XXXX XXXX TransUnion, XXXX, and XXXX for Violations of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Other Consumer Protection Laws Dear Sir/Madam, I am submitting a formal complaint against TransUnion, XXXX, and XXXX for multiple violations of federal laws, including 15 USC 1666b ( Credit Billing Act ), 15 USC 1691 ( Equal Credit Opportunity Act ), 15 USC 1692c ( Fair Debt Collection Practices Act ), 12 CFR 1002 ( Regulation B ), and the Fair Credit Reporting Act ( 15 USC 1681 ). These violations have caused significant harm to my financial status, disenfranchised me from fair credit opportunities, and infringed on my right to privacy.

Violations of 15 USC 1666b ( Credit Billing Act ) The credit reporting agencies have failed to provide timely corrections or deletions of disputed information, including negative and outdated entries, closed accounts, and inaccurate addresses. Despite my attempts to resolve these matters, they continue to report incorrect information without following proper procedures under this statute. 

Violations of 15 USC 1691 and 12 CFR 1002 ( Equal Credit Opportunity Act and Regulation B ) TransUnion, XXXX, and XXXX have unlawfully shared my personal and financial information with banks, loan companies, and other institutions without my explicit written consent. These actions violate my rights under the ECOA and Regulation B, further restricting my access to credit and loans.

Violations of 15 USC 1692c ( Fair Debt Collection Practices Act ) These agencies have continued to share inaccurate information with third parties after I explicitly requested they cease such activity. This violates 15 USC 1692c, which governs the conduct of information sharing without the consumers consent, leading to ongoing financial hardship and privacy breaches.

Violations of 15 USC 1681 ( Fair Credit Reporting Act ) TransUnion, XXXX, and XXXX have failed to comply with key provisions of the FCRA : 1681b They lacked permissible purposes to access or distribute my credit report and provided negative information without my authorization.

1681e They did not follow reasonable procedures to ensure the accuracy of the information reported, resulting in negative entries that I have previously disputed.

1681c The agencies failed to remove outdated and inaccurate information, including closed accounts and former addresses.

1681n & 1681o These agencies willfully and negligently failed to comply with the FCRA, resulting in ongoing financial harm to me.

Violations of 15 USC 6801 ( Gramm-Leach-Bliley Act ) The agencies violated the Gramm-Leach-Bliley Act by failing to protect my nonpublic personal information, sharing it with third parties without my explicit consent, and not providing me with the necessary protections outlined under 6801.

Violations of 15 USC 45 ( FTC Act ) Their actions constitute unfair and deceptive practices under the FTC Act ( 15 USC 45 ). The continued unauthorized dissemination of my negative and inaccurate information to third parties violates this statute.