Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding TransUnion Credit Report Accuracy Dear Sir/Madam, I am writing to file a formal complaint regarding TransUnion and the credit report they provided to XXXX and XXXX in connection with my application for a credit product on XX/XX/XXXX. Based on the adverse action notice I received, I believe the information supplied by TransUnion was incomplete and may have misrepresented my creditworthiness. 

Background On XX/XX/XXXX, I applied for a 4 bi-weekly payments credit option through XXXX, issued by XXXX. My application was denied based on information provided by TransUnion. The reasons cited in the adverse action notice included : 1. Too few balances on bankcard/revolving accounts have decreased recently. 


2. Too few payments made toward a single XXXX balance. 


3. Utilization of revolving accounts in the past 12 months.

4. Too many open trades. 



Additionally, my credit score was reported as XXXX, with adverse factors noted as : Total credit limits and loan amounts too low. 

Lack of revolving account information. 

Lack of auto account information. 

Lack of bankcard account information. 


Additional Concerns In addition to the concerns outlined above, I have public records of a loan that I secured with my personal property, which was successfully paid off. This information is publicly filed with the XXXX XXXX XXXX XXXX XXXX, and as a credit reporting agency, TransUnion has access to such public records. 

Despite this, TransUnion failed to include this information in my credit report, which raises serious questions about the accuracy and completeness of their reporting. The public record of my successfully paid loan demonstrates my creditworthiness and financial responsibility. However, XXXX omission resulted in an incomplete and misleading representation of my financial profile, which directly impacted my application outcome. 

Moreover, this is not the first time TransUnion has failed to accurately report my credit history. In the past, I was denied a XXXX credit card due to similar omissions in my credit report provided by TransUnion. These repeated instances demonstrate a troubling pattern of inaccurate reporting, which has caused unnecessary harm to my credit opportunities. 

Request for Action I kindly request the Consumer Financial Protection Bureau to : 1. Investigate why TransUnion failed to include publicly filed information regarding my successfully paid-off loan in my credit report. 


2. Examine XXXX history of reporting inaccuracies in my credit file and whether this indicates a broader compliance issue. 


3. Ensure that TransUnion complies with its obligations under the Fair Credit Reporting Act ( FCRA ) to provide accurate, complete, and fair consumer reports.

4. Provide clarification on the extent to which credit reporting agencies are required to include publicly filed records in their reports.

5. Take appropriate action to ensure that my credit report is corrected and reflects a full and accurate account of my financial history. 



Supporting Documentation I have attached the following documents to support my claim : A copy of the adverse action notice from XXXX. 

Proof of the public record of my loan, secured with personal property and successfully paid off. 

Evidence of my prior XXXX application denial, attributed to XXXX incomplete credit reporting. 

Any additional communications or records relevant to this matter. 


I strongly believe that accurate and complete credit reporting is essential for fair access to credit opportunities. I appreciate your attention to this matter and look forward to your response. Should you require further information, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX ---