Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion, XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Civil Complaint for Violation of Consumer Laws and Incorrect Reporting on Credit Report Dear Dispute Resolution Department , I am writing to you regarding the inaccurate and misleading information present on my credit report maintained by TransUnion, XXXX, and XXXX, XXXX about my consumer reports against TransUnion, XXXX, and XXXX. This complaint addresses violations of consumer laws, Texas laws, and federal laws, citing case precedent, and seeks redress for the following grievances : Incorrect Information : The credit report contains numerous inaccuracies in both account and personal information. These inaccuracies include specific details such as incorrect account details or personal information not belonging to the complainant, as well as invalidated account expanding several years, documented by XXXX XXXX XXXX XXXX XXXX ( XXXX  ), who has been harassing the complainant since XXXX for an active account before XXXX with XXXX XXXX Bank, credit card number XXXX, and XXXX, XXXX, XXXX, First Access Card XXXXXXXX XXXX XXXX XXXX, and XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX. 

Public Record Information Inaccuracy : Additionally, the public record information provided in the credit report is inaccurate. This misinformation has led to adverse consequences, including denial of housing, employment, and the opening of new banking accounts, despite presenting valid government identification, and social security card documentation. 

Reappearance of Old Information : Despite repeated attempts from XXXX to present to rectify these errors through multiple requests made via mail, phone, and third-party agents such as XXXX XXXX XXXX XXXX XXXX have either ignored or denied these requests. Moreover, old information has resurfaced on my credit report or has persisted without correction, thereby exacerbating the adverse impact on my financial and personal well-being. 

These inaccuracies and the credit reporting agency 's failure to address them have caused significant harm to my financial standing and have impeded my ability to access necessities and opportunities. As such, I am seeking relief in accordance with applicable consumer protection laws, Texas statutes, and federal regulations. 

Enclosed with this letter are copies of relevant documentation supporting my claims, including copies of erroneous credit reports, correspondence with the credit reporting agencies, proof of adverse actions taken due to inaccurate reporting, etc. 

I demand that TransUnion, XXXX, and XXXX promptly investigate and correct the inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX, and any other relevant statutes or regulations. Furthermore, I request that TransUnion, XXXX, and XXXX provide me with a written explanation of the actions taken to rectify these errors within 30 days of receiving this letter. 

Failure to address these concerns and take appropriate corrective action may result in further legal action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing civil remedies in accordance with applicable laws. 

I expect a prompt and satisfactory resolution to this matter. Please direct all correspondence regarding this complaint to the address provided above. Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Enclosures : List of enclosed documents copies of erroneous credit reports, correspondence with the credit reporting agencies, proof of adverse actions taken due to inaccurate reporting, etc.