Product: Credit reporting or other personal consumer reports

To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Complaint Summary : I am filing a complaint regarding TransUnions ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ) due to its failure to accurately report and verify account information. Despite sending a certified, handwritten dispute letter on XX/XX/2024, TransUnion continues to report inaccurate, misleading, and unverifiable information from several creditors, violating my rights under federal law and harming my credit profile. 

Specific Issues and FCRA Violations : Failure to Ensure Accurate Reporting by Furnishers ( XXXX XXXX. XXXX ( a ) ) : TransUnion is obligated to investigate and ensure the accuracy of any disputed information. Despite receiving my certified, handwritten dispute, TransUnion has not adequately verified the accounts in question and has allowed inaccurate and damaging information from creditors to remain on my credit report. 

Failure to Delete Unverifiable Information ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) : TransUnion is required to delete or correct information that can not be verified. Upon receipt of my certified letter, TransUnion responded with an insufficient verification that fails to meet FCRA standards. The creditors involved have not provided legally adequate documentation to substantiate their claims, and XXXX continued reporting of these items contravenes FCRA requirements for accuracy. 

Detailed FCRA Violations by Each Creditor : XXXX XXXX : This creditor is inaccurately reporting a past-due balance on an account that has already been charged off. This ongoing monthly reporting is misleading, implying an active delinquency that affects my XXXX XXXX and falsely extends the statute of limitations. XXXX XXXX is in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), as furnishers are required to report accurate information only. 

XXXX : XXXX has failed to provide sufficient verification for the reported past-due balance. The continued reporting without adequate substantiation violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), as TransUnion must correct or delete information that can not be verified. 

XXXX : This account is inaccurately reported with a comment stating paid from collateral, which is misleading and does not reflect the true account status. This reporting fails to meet the accuracy standard under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX : This creditor inaccurately updates a closed, charged-off account each month as a recurring charge-off, misrepresenting the account as if delinquent each month. This is both misleading and damaging to my credit profile, violating XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) by failing to accurately report the account status. 

Inadequate XXXX : TransUnion and these creditors failed to provide a legally sufficient method of verification ( MOV ) in response to my dispute. Each creditors response consisted of only partial summaries or payment dates, none of which substantiate the accuracy of their claims. Under 15 U.S.C. 1681i ( a ), TransUnion must either verify or delete unverifiable information, which it has failed to do.