Product: Credit reporting or other personal consumer reports

Comprehensive Investigative Official Complaint and Cease Reporting Demand Prepared by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX I. Introduction This official complaint and demand for immediate corrective action are submitted to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), California Attorney Generals Office, and Texas Consumer Protection Agency to report systemic violations of federal and state consumer protection laws by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and TransUnion LLC. 

These entities have engaged in systematic deceptive practices, including : False and inaccurate credit reporting. 
Improper and illegal debt collection practices. 
Violations of federal and state privacy laws. 
Failure to comply with dispute resolution procedures under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
The systemic nature of these violations has caused significant harm to my financial reputation, creditworthiness, and privacy rights. This report provides detailed fact-finding, evidence, and analysis to support enforcement actions and demands for immediate corrective measures. 

XXXX. Violations and Evidence A. Violations by XXXX XXXX XXXX XXXX. False and Inaccurate Credit Reporting Issue : XXXX XXXX XXXX reported a charge-off on my account despite the debt being fully settled on XX/XX/year>. 
Violations : FCRA ( 15 U.S.C. 1681s-2 ( a ) ) : Furnishers are required to provide accurate information to credit reporting agencies.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must conduct proper reinvestigations when disputes are filed. 
Evidence : Settlement documentation proving the debt was resolved. 
Credit reports from TransUnion showing the charge-off remained after settlement. 
XXXX. Failure to Investigate Disputes Issue : XXXX failed to conduct a reasonable investigation into disputes and relied solely on internal records, violating legal standards for reinvestigations. 
Legal Precedent : XXXX v. TransUnion : Established that creditors can not rely solely on internal records for reinvestigations. 
XXXX. Privacy Violations Issue : BMWs privacy policy, as outlined in XXXX XXXX XXXX, permits the sharing of personal data with third parties, even when disputes are unresolved. 
Violations : FCRA ( 15 U.S.C. 1681b ) : Unauthorized sharing of consumer data. 
XXXX XXXX XXXX - XXXX XXXX : Misuse of consumer information in debt collection. 
XXXX. Pattern of Misconduct Issue : XXXX XXXX XXXX has a history of similar violations, demonstrating a pattern of non-compliance. 
Examples : Trim v. XXXX XXXX XXXX : XXXX failed to update reports after accounts were paid. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was ordered to pay {$250000.00} for failing to reasonably investigate disputes. 
B. Violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Improper Debt Collection Practices Issue : XXXX XXXX attempted to collect a time-barred debt and inaccurately reported it on my credit report. 
Violations : FDCPA ( 1692e ) : Prohibits false or misleading representations in debt collection. 
XXXX XXXX XXXX - XXXX XXXX ( XXXX ) : Prohibits deceptive collection practices. 
Evidence : Re-aging of the debt to make it appear newer. 
XXXX letters and credit reports showing discrepancies in the date of the debt. 
XXXX. Privacy Violations Issue : XXXX XXXX  privacy policy, as outlined in XXXX XXXX, claims compliance with the California Consumer Privacy Act ( CCPA ) but fails to meet its requirements. 
Violations : XXXX  ( XXXX ) : Requires businesses to allow consumers to access and delete their personal data. 
XXXX  ( XXXX ) : Prohibits unauthorized sale or sharing of personal data. 
Evidence : Failure to respond to my requests for data access and deletion. 
Sharing of personal data with third-party debt collectors without consent. 
XXXX. Pattern of Misconduct Issue : XXXX XXXX has a history of violations, demonstrating a pattern of deceptive practices. 
Examples : Enforcement actions by the CFPB for deceptive debt collection practices. 
Class-action lawsuits for re-aging debts and misrepresenting account statuses. 
XXXX Violations by TransUnion LLC XXXX. Failure to Conduct a Reasonable Reinvestigation Issue : TransUnion relied solely on the data furnishers ( XXXX XXXX XXXX and XXXX XXXX XXXX ) to verify disputed information, failing to conduct an independent and reasonable reinvestigation as required by law. 
Violations : FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information.

FCRA ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure maximum possible accuracy of consumer reports. 
Evidence : The letter from TransUnion ( attached as XXXX  Response XXXX XXXX ) confirms that TransUnion relied on the furnishers ' responses without conducting an independent investigation. 
TransUnion merely forwarded the dispute to the furnishers and accepted their verification without reviewing the accuracy of the data. 
XXXX. Privacy Violations Issue : XXXX privacy policy, as outlined in TransUnion LLC Privacy Notice | TransUnionXXXX reveals that consumer data is shared with affiliates and marketing partners without explicit consent. 
Violations : FCRA ( 15 U.S.C. 1681b ) : Unauthorized sharing of consumer data.

CCPA ( 1798.120 ) : Failing to provide opt-out mechanisms for data sharing and sale. 
Evidence : TransUnions privacy policy explicitly confirms data-sharing practices.

3. Pattern of Misconduct Issue : TransUnion has faced multiple lawsuits and enforcement actions for failing to ensure accuracy and protect consumer data. 
Examples : A {$60.00} XXXX settlement for failing to remove inaccurate information after disputes. 
FTC enforcement actions for deceptive marketing of credit monitoring services. 
XXXX. Cease Reporting Demand I demand the immediate removal of all disputed and inaccurate information from my credit profile. Specifically : Cease Reporting Inaccurate Information : Remove the charge-off from my credit report related to XXXX XXXX XXXX XXXX as the debt was settled on XX/XX/year>. 
Remove any inaccurate debt information reported by XXXX XXXX XXXX and XXXX XXXX XXXX, including re-aged or unverifiable accounts. 
Update Credit Reports : Notify TransUnion and all other credit reporting agencies to correct or delete the inaccurate information in compliance with FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

Failure to comply within 30 days will result in formal complaints to regulatory agencies and legal action. 

IV. Requested Actions by Agencies I request the following actions : Comprehensive Investigation : Investigate the practices of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and TransUnion for violations of federal and state laws. 
Enforcement Actions : Pursue fines, penalties, and corrective actions against these entities. 
Consumer Redress : Provide restitution to affected consumers for financial harm and emotional distress. 
Policy Changes : Require these entities to implement policies to ensure compliance with FCRA, FDCPA, and CCPA. 
Public Accountability : Publish findings and enforcement actions to hold these entities accountable. 
XXXX Conclusion This complaint provides comprehensive evidence of systematic deceptive practices that harm consumers and violate federal and state laws. I urge immediate action to address these violations and protect consumer rights. 

Sincerely, XXXX XXXX