Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding TransUnions Willful Non-Compliance with FCRA and Demand for Immediate Corrective Action Dear CFPB Team, I am submitting this formal complaint against TransUnion for their deliberate and repeated violations of the Fair Credit Reporting Act ( FCRA ), specifically Sections 605B, 611, and 623, as they continue to mishandle a fraudulent account dispute. Despite providing overwhelming evidence, including official reports and supporting documentation, TransUnion has refused to fulfill their legal obligations to protect my rights as a consumer. This is unacceptable, and I demand immediate action. 

Background of the Issue A fraudulent account reported by XXXX XXXX XXXX XXXX with a balance of {$XXXX} has been erroneously included on my credit report. The following evidence was submitted to TransUnion to prove the account is fraudulent : FTC Identity Theft Report explicitly detailing this fraud. 
Police Report verifying that the account is fraudulent and not authorized by me. 
Confirmation from XXXX and XXXX that they have permanently removed this account from my credit report based on the same evidence. 

Despite this, TransUnion has refused to permanently remove the fraudulent account. Instead, they continue to reinstate it without valid justification, causing ongoing harm to my financial standing. 
Violations of the FCRA by TransUnion 1. Violation of Section 605B ( Blocking of Fraudulent Information ) : According to Section 605B of the FCRA, a consumer reporting agency must block fraudulent information from appearing on a consumers credit report once the agency receives an identity theft report and other required documentation. 
XXXX refusal to comply, despite receiving the FTC Identity Theft Report and Police Report, is a clear violation of this section. 
2. Violation of Section 611 ( Dispute Resolution Process ) : Under Section 611, TransUnion is required to conduct a thorough investigation when a dispute is raised and to ensure that all reported information is accurate. 
XXXX investigation was grossly inadequate. Their response failed to address the evidence provided and instead reiterated generic claims without transparency or supporting proof. 
3. Violation of Section 623 ( Responsibilities of Furnishers ) : Section 623 obligates furnishers, such as XXXX XXXX, to provide accurate information and to substantiate any reported data upon dispute. 
XXXX XXXX has failed to provide evidence supporting this accounts legitimacy, yet TransUnion continues to report it without accountability, demonstrating gross negligence. 

Impact on XXXX XXXX repeated failures have caused significant harm, including : Damage to my XXXX XXXX, impairing my ability to secure credit on fair terms. 
Emotional distress and financial hardship, as I am forced to repeatedly address this fraudulent issue. 
Wasted time and resources, resolving a matter that should have been permanently addressed after my initial dispute.

Demands for Immediate Action Given the blatant disregard for the law and the harm caused, I demand that : 1. TransUnion immediately and permanently remove the fraudulent account from my credit report.

2. TransUnion provide a detailed explanation for why the submitted documentation was deemed unacceptable and outline the specific evidence they relied on to verify this account. 
XXXX. The CFPB investigate XXXX handling of this case and take corrective actions, including imposing fines or penalties, to ensure compliance with federal regulations. 
XXXX. TransUnion be required to implement additional consumer protection measures to prevent similar occurrences in the future. 
Legal Consequences for Non-Compliance Should TransUnion fail to take immediate corrective action, I am prepared to pursue legal remedies under the FCRA, including : Filing a lawsuit under Sections 616 and 617, seeking statutory damages of up to {$XXXX} per violation, punitive damages for willful non-compliance, and compensation for the financial and emotional harm caused by their negligence. 
Reporting this issue to additional regulatory bodies and legal authorities to ensure accountability. 

Conclusion TransUnions actions ( or lack thereof ) represent a gross violation of my rights under the FCRA. Their continued reinstatement of a fraudulent account, despite clear evidence of its invalidity, is unacceptable. I trust the CFPB will hold them accountable for their non-compliance and ensure they take immediate steps to rectify this matter. 

I am prepared to provide all necessary documentation, including : FTC Identity Theft Report Police Report Correspondence with XXXX and XXXX confirming removal of the fraudulent account TransUnions inadequate response to this dispute. 

I look forward to your swift and decisive action. 

Sincerely, XXXX XXXX