Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing in response to your recent investigation results regarding the account reported by XXXX XXXX XXXX XXXX ( Account Number : XXXX ). I strongly disagree with your claim that the account has been verified as accurate for the following reasons : Key Issues and Concerns : Reporting False or Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion continues to report the XXXX account as charged off without validating its accuracy or obtaining sufficient documentation from XXXX. This constitutes the reporting of inaccurate and unverifiable information, further violating their responsibility to ensure maximum possible accuracy in credit reporting. 

Failure to Resolve the Dispute in a Timely Manner ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : TransUnion has delayed resolving this dispute and failed to take meaningful action. Updating the " Date Updated '' field on XX/XX/year>, without addressing the underlying inaccuracies appears to be a stalling tactic to maintain the account on my credit report. 

Failure to Address Debt Ownership and Duplicate Reporting Risks : On XX/XX/year>, XXXX XXXX XXXX XXXX confirmed to me that the account in question was transferred to XXXX XXXX for collections. If XXXX no longer owns the debt, their continued reporting is inaccurate and creates a risk of duplicate reporting between XXXX and XXXX XXXX. TransUnion failed to investigate or address this critical issue. 

Continuous Reporting of Charge-Off Without Activity : TransUnions continued reporting of the charge-off each month creates the appearance of new derogatory activity, further damaging my credit. This practice is misleading, harmful, and violates the FCRA. 

Failure to Provide Supporting Documentation : Your investigation did not provide any supporting documentation, such as the original signed agreement or complete payment history, to validate the account. Simply accepting the creditors response without obtaining verifiable evidence violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a reasonable reinvestigation of disputed information. 
Lack of Clarification on Debt Ownership : XXXX XXXX XXXX XXXX has confirmed that the account was transferred to XXXX XXXX for collections. If XXXX no longer owns the debt, they have no authority to report it, and any continued reporting creates the risk of duplicate reporting. 
Misleading Continuous Reporting of the Charge-Off : The account is being updated monthly as a charged-off debt. This creates the appearance of new derogatory activity, further harming my credit. Such misleading reporting violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. 
Inadequate Reinvestigation Process : Your investigation failed to address the discrepancies raised in my previous disputes, including the absence of documentation from XXXX and the potential violations of IRS regulations regarding the issuance of a XXXX for uncollectible debts. 
Requested Actions : Provide a thorough explanation of how the account was verified, including what documentation XXXX provided to substantiate their reporting. 
Require XXXX to provide : The original signed agreement. 
A complete payment history. 
Proof of active collection efforts or clarification of ownership. 
Remove the account from my credit report if no validation is provided by XXXX. 
Cease updating the account as a charged-off debt if there is no new derogatory activity. 
Notice of Escalation : If TransUnion fails to resolve this matter promptly and in compliance with federal law, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies for violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 15 U.S.C. 1681o.