Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this formal grievance against XXXX, XXXX, and TransUnion ( hereinafter, consumer reporting agencies or CRAs ) for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report disputed accounts that have not been validated by the furnishers of information. 

Nature of Complaint 1. Failure to Verify Disputed Accounts Properly I submitted a debt validation request to the furnishers of the disputed accounts via notarized affidavits and certified mail. 
The furnishers failed to provide validation of the debts within the legally prescribed timeframe. 
Despite this failure, the CRAs claimed that these accounts were verified without any proper validation, which is a direct violation of FCRA requirements. 
2. Failure to Ensure Accuracy in Consumer Reports The FCRA ( 15 U.S.C. 1681e ( b ) ) mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer reports.

Since the disputed accounts could not be validated by the furnishers, the CRAs could not have lawfully verified them and must immediately delete them per 15 U.S.C. 1681i ( a ) ( 5 ).

3. Refusal to Delete Unverified and Erroneous Information According to FCRA, if an item can not be verified, it must be deleted.

The CRAs have refused to comply with this requirement and continue to report inaccurate and unverifiable information, damaging my creditworthiness and financial standing.

4. Consumer Reporting Agencies Are Complicit in Unlawful Practices It is the duty of the CRAs to hold furnishers accountable and ensure that all reported information is legally compliant. 
By allowing unverified information to remain on my report, the CRAs are willfully negligent and complicit in violating federal law. 

Relief Sought 1. Immediate Deletion of All Disputed and Unverified Accounts The CRAs must immediately delete all accounts that could not be validated in compliance with 15 U.S.C. 1681i ( a ) ( 5 ). 
2. Written Confirmation of Deletions I demand written confirmation from each CRA that these accounts have been removed from my credit file.

3. Investigation and Enforcement Action Against XXXX, XXXX, and TransUnion I request the CFPB to initiate an investigation into these consumer reporting agencies for their willful violations of the FCRA. 
The CRAs must be held accountable for failing to ensure compliance with federal law and continuing to report unverified and potentially fraudulent accounts. 
4. Penalties for Noncompliance I request that appropriate fines and sanctions be imposed on the CRAs for violating the rights of consumers under the FCRA. 

Conclusion By failing to remove the disputed accounts that could not be verified, XXXX, XXXX, and TransUnion have demonstrated clear and willful violations of consumer protection laws. Their actions have caused harm to my financial standing and constitute deceptive and unfair reporting practices. 

If the CFPB does not intervene, I will pursue legal action against the CRAs for damages resulting from their negligence and refusal to comply with federal law. 

I request a formal response from the CFPB regarding this grievance and a detailed report on the steps being taken to enforce compliance. 

Sincerely, All Rights Reserved.