Product: Credit reporting or other personal consumer reports

Subject : TransUnions Refusal to Accept Legally Valid Identity Theft Documentation Dear CFPB Representative, I am filing a new complaint against TransUnion for their continued refusal to comply with FCRA 605B and their deceptive handling of identity theft disputes. Despite submitting all required documentation, TransUnion has : * Denied my FTC Identity Theft Report and police report without valid reason * Refused to permanently block fraudulent accounts and inquiries * Failed to provide proof of verification for disputed accounts * Allowed previously deleted accounts to be unlawfully reinserted onto my credit report Evidence of TransUnions Non-Compliance : I submitted the following legally recognized identity theft documents, the same information I summited to the CFPB : * FTC Identity Theft Affidavit * Police Report * Government-Issued ID ( Drivers License ) * Social Security Card * Utility Bill ( Proof of Address ) Despite receiving these, TransUnion falsely claimed that my documents were not acceptable or incomplete and insisted that I use their internal forms, which is not a legal requirement. This is a violation of FCRA 605B, which mandates the blocking of fraudulent information upon receipt of a valid identity theft report. 
Additional FCRA Violations by TransUnion : 1. Failure to Block Fraudulent Accounts ( FCRA 605B Violation ) * TransUnion refused to immediately block fraudulent accounts and inquiries despite receiving legally valid documentation. 
* Instead of complying with the law, they delayed the process by requesting their own internal form, which is not required under FCRA. 
2. Failure to Provide Proof of Verification ( FCRA 611 ( a ) ( 7 ) ) * TransUnion refuses to provide the method of verification ( MOV ) for disputed accounts. 
* If they can not provide evidence of verification, these accounts must be deleted immediately. 
3. Illegal Reinsertion of Fraudulent Accounts ( FCRA 611 ( a ) ( 5 ) ( B ) ) * TransUnion has allowed fraudulent accounts to be reinserted without the required consumer notification, violating federal law. 
4. Failure to Remove Unauthorized Inquiries ( FCRA XXXX Violation ) * Multiple inquiries that were not authorized by me remain on my report. 
* TransUnion must delete all unauthorized inquiries immediately. 
Actions Requested from CFPB : 1. Require TransUnion to Accept My Valid Identity Theft Documentation * They must comply with FCRA 605B and immediately block fraudulent accounts and inquiries. 
2. Compel TransUnion to Provide Proof of Verification * They must disclose how they verified the fraudulent accounts. 
* If they can not, the accounts must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
3. Impose Fines Against TransUnion for Repeated Violations * Due to their continued refusal to follow consumer protection laws, I am requesting {$20000.00} in damages for financial harm, emotional distress, and their repeated FCRA violations. 
4. Ensure Permanent Removal of Unauthorized Accounts and Inquiries * All fraudulent accounts must be permanently removed and not reinserted without proper notification. 
I request that the CFPB take immediate action against TransUnion and escalate enforcement against their deceptive and illegal practices. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX