Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against TransUnion for Violations of the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally file a complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information on my credit report. This letter outlines the specific issues with my report, cites relevant FCRA provisions, and demands immediate corrective action to rectify these violations. 

Issue Summary The inaccuracies pertain to a XXXXXXXX XXXX account ( Account Number XXXX ) ** listed on my TransUnion report ( Report Number XXXX, Date Generated XX/XX/XXXX ). The issues include the following : The account is marked as charged off but continues to reflect an available credit limit. This is inconsistent with the nature of a charged-off account and creates a misrepresentation of the account 's status. 

XXXX has reported a payment made in XX/XX/XXXX, while TransUnion reports the account as 30 days late during the same period. These discrepancies are significant and highlight the inaccurate and inconsistent reporting of this account across credit reporting agencies. 

Despite my dispute and request for deletion of this inaccurate information, TransUnion claims the disputed item has been verified. However, no valid documentation has been provided to substantiate the claim of accuracy, constituting a clear violation of the FCRA. 

Relevant FCRA Provisions and Obligations Under the FCRA, consumer reporting agencies such as TransUnion are legally obligated to ensure the accuracy of the information reported and to address disputes appropriately. 

Duty to Ensure Maximum Possible Accuracy : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy in the information they report. 
Correction or Deletion of Inaccurate, Incomplete, or Unverifiable Information : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Upon receiving a consumers dispute, the agency must conduct a reasonable investigation. If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted within 30 days. 
Prohibition of Misrepresentation and Deceptive Practices : 15 U.S.C. 1681s-2 ( b ) : Information furnishers are required to report accurate and complete information and to promptly correct or update any inaccurate or misleading information provided to credit reporting agencies. 
Request for Documentation and Immediate Action Given the provisions above, I demand the following : Immediate Removal of the XXXXXXXX XXXX Account : The reporting of this account as charged off while maintaining an available credit limit is inaccurate and misleading. 
Provision of Validation Documentation : If TransUnion continues to assert that this account is valid, I request the following : Documentation used to validate the accuracy of the account details. 
The name and employee identification number of the person ( s ) who verified the disputed information. 
Confirmation that the investigation was not conducted solely through an automated XXXX process. 
Correction of Discrepancies : The inconsistency between the payment reported by XXXX in XX/XX/XXXX and TransUnions reporting of a XXXX late payment during the same period is a material inaccuracy that must be addressed. 
Supporting Case Law and Precedents XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX was held liable for failing to correct inaccuracies even after consumer disputes, demonstrating the obligation of credit reporting agencies to address inaccuracies adequately. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  : TransUnion was found liable for reporting inaccurate information and failing to ensure its accuracy, highlighting the consequences of misrepresentation and inadequate verification processes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Reinforces that consumer reporting agencies are held accountable for failure to adhere to reasonable standards for accuracy and reinvestigation. 
Violation of Consumer Rights TransUnions failure to correct or delete inaccurate information, along with the lack of transparency in validating the disputed account, constitutes a violation of my rights under the FCRA. Misrepresentation of account status and inconsistent reporting across agencies are deceptive and misleading practices that harm consumers. 

Conclusion I demand immediate corrective action to resolve these issues. If TransUnion can not provide the requested documentation to validate the disputed information, the XXXXXXXX XXXX account must be removed from my credit report without delay. Failure to comply with these demands may result in legal action for damages under the FCRA. 

Thank you for your prompt attention to this matter. I expect a response within the statutory timeframe. 

Sincerely, XXXX XXXX