Product: Credit reporting or other personal consumer reports

FINAL WARNING TO CFPB : IMMEDIATE ENFORCEMENT ACTION REQUIRED AGAINST TRANSUNION Complaint Number : XXXX Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX ( Last Four ) : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX OFFICIAL CFPB ESCALATION FINAL NOTICE BEFORE CONGRESSIONAL & LEGAL ACTION TO : CFPB ENFORCEMENT DIVISION & XXXX XXXX XXXX  This is a FINAL WARNING to the Consumer Financial Protection B

ureau ( CFPB ) regarding its failure to enforce the Fair Credit Reporting Act ( FCRA ) against TransUnion LLC. I demand IMMEDIATE ENFORCEMENT ACTION before this complaint is escalated to Congress, the FTC, and federal litigation against both TransUnion and the CFPB itself for regulatory negligence.

The CFPB is failing to do its job. The Bureau was created to protect consumers, NOT allow corporations to violate federal law without consequences. If the CFPB refuses to act, it will be held accountable. 

CFPB ALLOWING TRANUNION TO BREAK THE LAW IMMEDIATE ACTION REQUIRED I filed my initial dispute on XX/XX/XXXX. TransUnion was legally required to complete its investigation within 30 days ( XX/XX/XXXX ). However, the CFPB is allowing TransUnion to unlawfully extend this period to 60 days in direct violation of the FCRA. 

The FCRA is clear : FCRA 1681i ( a ) ( 1 ) ( A ) The investigation MUST be completed within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable information MUST be deleted immediately.

The CFPB is NOT above the law. The FCRA does NOT allow a 60-day investigation period. By permitting this delay, the CFPB is violating its own mandate to enforce consumer protection laws.

TRANUNIONS SYSTEMIC VIOLATIONS REQUIRE EMERGENCY ACTION 1 Tr
ansUnion has failed to complete an investigation within the legal timeframe.

2 TransUnion refuses to delete unverifiable accounts as required by law. 3 TransUnion is using illegal stall tactics and automated e-OSCAR responses, violating FCRA 1681
e ( b ).

4 TransUnions actions have caused me financial harm, including denied credit and increased interest rates. 

This is not just about my caseTransUnion is systematically violating the rights of MILLIONS of consumers, and the CFPB is complicit by allowing it. 

FORMAL DEMANDS TO THE CFPB IMMEDIATE ACTION REQUIRED I demand the CFPB take the following actions within 5 business days : ORDER TransUnion to IMMEDIATELY delete my disputed accounts for exceeding the FCRA 30-day limit : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Servbank Account Number : XXXX PUBLICLY ANNOUNCE an investigation into TransUnions systemic FCRA violations XXXX 
XXXXXXXX XXXX  against TransUnion for knowingly violating the FCRA. 
ISSUE a formal order prohibiting TransUnion from stalling consumer disputes beyond the legal timeframe. 

Failure to comply will result in the immediate escalation of this complaint. 

IF CFPB FAILS TO ACT, I WILL ESCALATE TO HIGHER AUTHORITIES IMMEDIATELY If the CFPB refuses to enforce federal law, I will : File a formal complaint with the FTC against the CFPB for regulatory negligence.

Submit an official complaint to my U.S. Senator and Representative regarding CFPBs failure to regulate CRAs.

Request an independent audit of CFPBs enforcement actions to expose inaction against TransUnion.

Launch a FOIA request demanding all internal CFPB communications regarding TransUnion enforcement.

File federal legal action against TransUnion and potentially against the CFPB for failure to protect consumer rights.

This is the CFPBs LAST CHANCE to fulfill its duty before this complaint reaches national attention.

DEADLINE FOR CFPB RESPONSE : 5 BUSINESS DAYS I demand a written confirmation from the CFPB no later than XX/XX/XXXX, confirming : That TransUnion is being forced to comply with FCRA deadlines. 
That a full-scale CFPB investigation into TransUnions systemic violations is underway. 
That penalties and fines are being imposed for willful non-compliance. 

If the CFPB does NOT take action, I will make this case PUBLIC and escalate it to the highest authorities. This Bureau was created to serve the people, NOT corporate interests. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX Phone : XXXX Email : XXXX XXXX