Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Credit File Mixing and Unlawful Reporting To Whom It May Concern, I am submitting a formal complaint against TransUnion for their failure to maintain the accuracy of my credit file, resulting in my credit being mixed with another individual named XXXX XXXX. This has led to the inaccurate reporting of a bankruptcy that does not belong to me and the continued unlawful re-insertion of previously deleted accounts. 

Recently, I contacted TransUnions Fraud Department to check on the status of my disputes regarding a XXXX Bankruptcy appearing only on my TransUnion credit report. This bankruptcy does not appear on my XXXX or XXXX reports. While speaking with a TransUnion representative, I provided my personal information and named accounts that I had been disputing. The representative stated that he could not locate my credit file based on those accounts. Assuming my disputes had been resolved, I prepared to end the call. However, before ending the call, the representative asked for the last four digits of my Social Security number. When I provided XXXX, he immediately apologized and admitted that he had been reviewing the wrong credit fileone belonging to another individual named XXXX XXXX. 

This incident proves that TransUnion has mixed my credit file with another consumers, which is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 31 U.S.C. 5118. This negligent practice has resulted in the wrongful reporting of a bankruptcy on my credit file, which I have never filed. Furthermore, TransUnion has reinserted the XXXX XXXX on my report for the third time, despite its prior removal, in direct violation of FCRA regulations.

FCRA Violations : 15 U.S.C. 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy in consumer reports. TransUnions failure to distinguish my credit from another individuals has caused significant harm to my credit profile.

15 U.S.C. 1681i Consumers have the right to dispute inaccuracies, and TransUnion is obligated to correct or delete incorrect information.

15 U.S.C. 1681b Restricts unauthorized access to consumer credit reports. If my file has been mixed with another individuals, this could constitute an unauthorized disclosure of my credit data.

15 U.S.C. 1681a-1681s Requires proper notification and verification before re-inserting deleted items. TransUnion has failed to comply with this by re-inserting XXXX XXXX for the third time after prior disputes. 

Fair Resolution Proposal : Permanent Deletion I demand the immediate and permanent deletion of the following accounts from my TransUnion credit report : XXXX Bankruptcy Wrongfully assigned to me due to credit file mixing. 

XXXX XXXX Re-inserted for the third time without proper verification or notification. 

XXXX XXXX XXXX XXXX XXXX Incorrectly reported collection account. 

Written Confirmation TransUnion must provide written confirmation of these deletions and assurance that they will not be reinserted. 

Formal Investigation The CFPB should investigate TransUnions credit file mixing practices and impose penalties for their failure to maintain accurate consumer files.

Consumer Protection Measures TransUnion must implement safeguards to prevent credit file mixing, unauthorized re-insertions, and improper dispute handling. 

This matter requires urgent attention. I have attached my TransUnion credit report showing the disputed information, along with supporting documentation regarding my previous disputes and communications with TransUnion representatives. 

Thank you for your time and immediate action in addressing this serious issue. I look forward to your response and a resolution to this matter. 

Sincerely, XXXX XXXX XXXX