Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Subject : Violation of Fair Credit Reporting Act ( FCRA ) by TransUnion Complaint Details : Consumer : XXXX XXXX Residential Address : XXXX XXXX XXXX XXXX, XXXX, NH XXXX Mailing Address : XXXX XXXX XXXX, XXXX, MA XXXX Credit Reporting Agency : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Summary : I am filing this complaint against TransUnion for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, regarding my request for a dispute reinvestigation. Despite my submission of a dispute reinvestigation request, including proof of delivery via certified mail, TransUnion has neither conducted the required reinvestigation nor marked the disputed items as under dispute. Instead, they only sent me a credit report without providing any method of verification or proof of reinvestigation. The most important part of this too is that they sent a letter in the mail. The letter stated that they have received additional information from me on XX/XX/XXXX so now they have until XXXX to reinvestigate. This is a flat out lie because I never sent them a single thing since the original mailing on XX/XX/XXXX. They are making excuses to draw out the timeframe. 

Detailed Complaint : On XX/XX/XXXX, I sent a formal request for a dispute reinvestigation to TransUnion, which they received 30 days ago. In my request, I clearly stated my disagreement with the listed items and requested a modification or deletion of the disputed accounts, as required by law under 15 U.S. Code 1681i. I also requested a description of how each account was verified during the reinvestigation process. 

TransUnion has failed to : 1. Conduct a reinvestigation within the 30-day timeframe as mandated by 15 U.S. Code 1681i.

2. Mark the disputed items as under dispute on my credit report.

3. Provide me with a description of the verification process and documentation as required by law.

4. Ensure the accuracy of the information in my credit report per 15 U.S. Code 1681e.

List of Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Violations : 15 U.S. Code 1681i : Failure to conduct a timely reinvestigation.

15 U.S. Code 1681e : Failure to ensure the accuracy of the information.

Failure to mark items as disputed and to provide verification documentation.

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance with the FCRA by TransUnion. Specifically, I request the following : 1. Immediate deletion of all disputed items from my credit report.

2. Assurance that TransUnion complies with all future requests for dispute reinvestigation within the required legal timeframe.

3. Provision of verification documentation and a description of the reinvestigation process for each disputed item.

Attachments : Copy of the original dispute reinvestigation request sent to TransUnion.

Proof of delivery of the dispute reinvestigation request.

Conclusion : TransUnion 's failure to comply with the FCRA has caused significant stress and potential financial harm. I urge the CFPB to address these violations promptly to ensure that my credit report is accurate and that TransUnion adheres to their legal obligations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX