Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dispute XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Urgent Demand for Compliance with Federal and State Laws Regarding Credit Report Accuracy and Consumer Rights Dear XXXX, TransUnion, and XXXX, I am writing to address the ongoing violations of my rights as a consumer under federal and XXXX  XXXX laws, as well as to highlight your continued failure to address systemic issues documented by the Consumer Financial Protection Bureau ( CFPB ) in its lawsuit against your agencies. Your neglect in properly conducting investigations and ensuring accurate credit reporting has been documented in several submissions I have made since XX/XX/XXXX, yet no corrective action has been taken. 

Ongoing Violations and CFPB Lawsuit The CFPB is currently suing your agencies for the very issues I have experienced, including : Falsely conducting investigations or failing to conduct them at all. 
Accepting creditors unverified claims over evidence provided by consumers. 
Failing to remove inaccurate, closed, charged-off, or identity-theft-related items from credit reports. 
Removing disputed items temporarily and then re-adding them without justification. 
These practices directly violate : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Failing to conduct reasonable reinvestigations of disputes and refusing to delete unverifiable data.

15 U.S.C. 1681e ( b ) : Neglecting to ensure the maximum possible accuracy of credit reports. 
15 U.S.C. 1681c-2 : Failing to block fraudulent information related to identity theft.

15 U.S.C. 1681n and 1681o : Willfully and negligently failing to comply with FCRA requirements. 
Consumer Financial Protection Act ( CFPA ) : Engaging in unfair and deceptive practices that harm consumers.

Maryland Consumer Protection Act : Misleading and deceiving consumers through false advertising and failure to provide accurate services. 

Negative Impacts on My Livelihood Your actions have caused severe harm to my financial stability and livelihood, including : Denying access to loans, housing, and financial services due to incorrect credit reporting. 
Forcing me to pay for " premium '' services to access accurate credit reports while advertising " free '' reports that are outdated and misleading. 
Prolonging financial harm and stress as a victim of identity theft by failing to address fraudulent accounts. 
Discriminating against me by placing undue burden and financial disadvantage on a consumer attempting to resolve credit issues. 
These actions have unjustly prevented me from securing essential funding, placed additional financial strain on me, and undermined my trust in your agencies. 

Documented Submissions and Lack of Action Despite multiple submissions to the CFPB, including detailed evidence of inaccuracies and fraud, your agencies have consistently failed to address or resolve my disputes. Your systemic inaction has been well-documented and aligns with the CFPBs findings in its lawsuit.I am writing to formally request the removal of certain inaccurate and outdated information from my consumer credit report. Several accounts and inquiries currently reported on my credit file are incorrect, settled, or unauthorized, and I am seeking prompt rectification. I also request the removal of all personal information related to identity theft, including addresses and inquiries made without my consent. 

Closed and Settled Accounts : The following accounts are marked as closed and settled. They should no longer appear on my credit report as they no longer reflect my current credit status : XXXX XXXX XXXX ( Account : XXXX ) XXXX XXXX XXXXXXXX ( Account : XXXX ) XXXX/XXXX  ( Account : XXXX ) XXXX ( Account : XXXX ) XXXX XXXX/XXXX  ( Account : XXXX ) XXXX XXXX  XXXX  ( Account : XXXX ) XXXX XXXX XXXX Account : XXXX ) These accounts have been settled, and their balances reflect XXXX ( {$0.00} ). According to consumer protection laws, once an account is settled, it should no longer be reported on my credit file as an open, active, or outstanding account. Keeping these accounts active and reporting incorrect information is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Addresses Associated with Identity Theft : Additionally, I request that the following addresses be permanently removed from my credit file as they are linked to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) XXXX XXXX XXXX XXXX XXXX, MD, XXXX ( Address ID # XXXX ) These addresses are not associated with me, and their continued presence on my file is a clear indication of fraudulent activity. 

Unauthorized Hard and Soft Inquiries : Furthermore, I have identified several hard and soft inquiries made without my consent or knowledge. As these inquiries were unauthorized, they must be removed immediately. The following inquiries should be removed from my consumer report : XXXX XXXXXXXX XXXX XXXX via XXXX  ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  ( Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Inquired on XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquired on XX/XX/XXXX ) XXXX XXXX  XXXX ( Inquired on XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX on XX/XX/XXXX ) XXXX XXXX ( Numerous inquiries between XX/XX/XXXX and XX/XX/XXXX ) XXXX ( Numerous inquiries from XX/XX/XXXX through XX/XX/XXXX ) All of these inquiries were made without my explicit consent, and I request that they be deleted from my report in accordance with the FCRA. 

Conclusion : The continued reporting of these inaccurate accounts, fraudulent addresses, and unauthorized inquiries not only violates my rights under the Fair Credit Reporting Act but also presents an unfair and misleading picture of my financial status. I respectfully ask that all the inaccurate information listed above be removed from my consumer credit file immediately. 

Please provide written confirmation that these corrections have been made and ensure that my credit file reflects only truthful and up-to-date information. 

If you require any further documentation or information to process this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and a resolution within the legal time frame set forth by the Fair Credit Reporting Act. 

Demands for Immediate Action I demand the following : Resolution of Disputes : Conduct a full, transparent reinvestigation of my disputes and remove all inaccurate, unverifiable, or fraudulent entries.

Adherence to Laws : Comply with FCRA requirements by ensuring accurate reporting and timely resolution of disputes.

Transparency in Reporting : Provide accurate and up-to-date credit reports without requiring payment for services advertised as free.

Accountability for Harm : Address the financial and emotional harm caused by your negligence and discrimination, including compensation for additional fees incurred. 
Your repeated violations are not only unlawful but have caused significant harm to me and many others. If you fail to act, I will escalate this matter further through complaints to the CFPB, FTC, XXXX XXXX XXXXXXXX XXXX, and, if necessary, pursue legal action