Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX XX/XX/XXXX CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB XXXX XXXX XXXXXXXX XXXX, Washington XXXX DC XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Washington XXXX DC XXXX2 TRANSUNION-CONSUMER DISPUTES, ESCALATED DIVISION XXXX XXXX XXXX XXXXXXXX, PA XXXX TRANSUNION-CONSUMER DISPUTES XXXX ESCALATED DIVISION XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX CFPB FORMAL COMPLAINT AGAINST TRANSUNION FOR FRAUDULENT CREDIT REPORTING & FAILURE TO INVESTIGATE/REINVESTIGATE FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED INFORMATION IN MY TRANSUNION CONSUMER REPORT FILE IN VIOLATION OF FCRA I, XXXX XXXX XXXX XXXX this formal complaint against TRANSUNION INFORMATION SOLUTIONS ( hereinafter TRANSUNION ) regarding their SEVERE, PERSISTENT, and ONGOING VIOLATIONS OF MY RIGHTS under the FAIR CREDIT REPORTING ACT ( hereinafter FCRA ) for their REPEATED, KNOWFUL, and WILLFUL VIOLATIONS of the FCRA and applicable Federal and State Laws relating to Consumer Rights.

TRANSUNION has REPEATEDLY VALIDATED, VERIFIED, and REPORTED Accounts on/in my Consumer Report File ( hereinafter CRF ) that are demonstrably FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, and UNVALIDATED information. Furthermore, they have REFUSED TO CONDUCT ADEQUATE INVESTIGATION and REINVESTIGATIONS into these matters, which has DIRECTLY and SEVERELY DAMAGED MY CREDITWORTHINESS, resulting in a SIGNIFICANTLY LOW and DECREASING CREDIT SCORE and MULTIPLE DENIALS OF CREDIT.

I. BACKGROUND OF DISPUTED ACCOUNTS & INITIAL VALIDATION DEMANDS : On XX/XX/XXXX, I sent legal CEASE & DESIST and VALIDATION DEMAND LETTERS as part of a FORMAL DISPUTE and REQUEST FOR INVESTIGATION via USPS Certified Mail Return Receipt to both XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL CREDITORXXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00}. 

These letters demanded CEASE & DESIST, VALIDATION, and VERIFICATION of said Accounts they were attempting to collect, in strict accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( hereinafter FDCPA ). My specific request for validation invoking my rights under 15 U.S.C. 1692g ( b ) of the FDCPA, which MANDATES A DEBT COLLECTORS CESSATION OF COLLECTION ACTIVITIES UNTIL VALIDATION OF THE DEBT IS PROVIDED. 

To date, neither XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX  nor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} have PROVIDED ME WITH ANY DOCUMENTATION OR EVIDENCE that demonstrates said Accounts are valid, authorized, or lawfully reportable. Their FAILURE TO PROVIDE VALIDATION IS A DIRECT VIOLATION of the FCRA and FDCPA. 

On XX/XX/XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ( hereinafter XXXX ) received via USPS Certified Mail Return Receipt full Validation and Verification letters from me REQUESTING COPY of IRS Form 1099-C in connection with the CANCELLED DEBT ACCOUNTS being reported on my TRANSUNION XXXX  as CANCELLED DEBT. ( PLEASE SEE SUPPORTING DOCUMENTS, XXXX XXXX XXXX XXXX DISPUTE LETTER & USPS TRACKING RECEIPTS, XXXX DISPUTE LETTER & USPS TRACKING RECEIPTS ) To date, NEITHER XXXX XXXXXXXX XXXX XXXX, NOR XXXX HAVE COMPLIED WITH MY REQUESTS FOR COPY of IRS Form 1099-C in connection with the CANCELLED DEBT ACCOUNTS, which demonstrates said ACCOUNTS are INVALID, UNAUTHORIZED, AND BEING REPORTED UNLAWFULLY. Their FAILURE TO PROVIDE THE REQUESTED VALIDATION and DOCUMENTATION in connection therewith is a direct violation of the FCRA and FDCPA.

II. Specific Disputed Accounts and Consumer Reporting Agency Failures, Willful Omissions, and Willful Non-Compliance : On XX/XX/XXXX, TRANSUNION also received a FORMAL COMPLAINT and REQUEST FOR INVESTIGATION into FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED INFORMATION appearing in my CRF. ( PLEASE SEE SUPPORTING DOCUMENTS, TRANSUNION DISPUTE LETTER & USPS TRACKING RECEIPTS XXXX ) Included the above-said were copies of my CEASE & DESIST and VALIDATION DEMAND LETTERS to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX part of my FORMAL DISPUTE and REQUEST FOR INVESTIGATION. 

This FORMAL DISPUTE and REQUEST FOR INVESTIGATION specifically concerned the following FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED INFORMATION ACCOUNTS appearing on my TRANSUNION CRF : XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX  ; and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OAKS CA XXXX, XX/XX/XXXX, ACCOUNT # XXXX, BALANCE- {$190.00}. 

Despite the following : My CLEAR and COMPREHENSIVE DISPUTE SUPPORTED BY SWORN and WRITTEN/PHYSICAL DOCUMENTATION ; and THE FAILURE OF XXXX XXXX XXXX and XXXX XXXX XXXX to PROVIDE THE REQUESTED INFORMATION and DOCUMENTATION related to VALIDATING said ACCOUNTS question.

TRANSUNION has CONSISTENTLY FAILED TO CONDUCT PROPER and ADEQUATE INVESTIGATIONS & REINVESTIGATIONS. They have REFUSED TO REMOVE SAID ACCOUNTS from my CRF and have also FAILED TO PROVIDE ME WITH A COPY OF WHAT METHOD/PROCESS ( ES ) WERE USED TO VALIDATE/VERIFY SAID ACCOUNTS. This LACK OF TRANSPARENCY, APPARENT RELIANCE on UNSUBSTANTIATED VERIFICATION, PARROTING the FURNISHERS RESPONSE, and RELIANCE ON UNSUBSTANTIATED VERIFICATION VIOLATES THEIR STATUTORY DUTIES. 

On XX/XX/XXXX, TRANSUNION received a copy of the CEASE & DESIST and VALIDATION DEMAND LETTERS as part of a FORMAL DISPUTE and REQUEST FOR INVESTIGATION/REINVESTIGATION against XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX {$9400.00} ; and XXXX ACCOUNT XXXX XXXX {$2100.00} and XXXX ACCOUNT XXXX XXXXXXXX {$2600.00} : ( PLEASE SEE SUPPORTING DOCUMENTS, XXXX XXXX XXXX XXXX DISPUTE LETTER & USPS TRACKING RECEIPTS XXXX, XXXX DISPUTE LETTER & USPS TRACKING RECEIPTS XXXX, TRANSUNION DISPUTE LETTER & USPS TRACKING RECEIPTS XXXX ) Despite the following : My CLEAR and COMPREHENSIVE DISPUTE SUPPORTED BY SWORN and WRITTEN/PHYSICAL DOCUMENTATION ; and THE FAILURE OF XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$9400.00}, and XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} to PROVIDE THE REQUESTED INFORMATION and DOCUMENTATION related to VALIDATING said ACCOUNTS question.

TRANSUNION has CONSISTNTLY FAILED TO CONDUCT PROPER and ADEQUATE INVESTIGATIONS & REINVESTIGATIONS. They have REFUSED TO REMOVE SAID ACCOUNTS from my CRF and have also FAILED TO PROVIDE ME WITH A COPY OF WHAT METHOD/PROCESS ( ES ) WERE USED TO VALIDATE/VERIFY SAID ACCOUNTS. This LACK OF TRANSPARENCY, APPARENT RELIANCE on UNSUBSTANTIATED VERIFICATION, PARROTING the FURNISHERS RESPONSE, and RELIANCE ON UNSUBSTANTIATED VERIFICATION VIOLATES THEIR STATUTORY DUTIES. 

On XX/XX/XXXX, TRANSUNION received a 2ND & FINAL NOTICE and REQUEST FOR REINVESTIGATION FOR FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED INFORMATION ACCOUNTS stated herein appearing on my TRANSUNION CRF. ( Please See Supporting Document XXXX XXXX Mail Return Receipt Tracking XXXX XXXXXXXX & Letter Addressed to TRANSUNION in IL & PA ) A copy of IRS Form 1099-C Form/Document from a previous CREDITOR/LENDER ACCOUNT DELETED FROM MY CONSUMER REPORTING FILE was attached thereto for Reference purposes to show that ONCE AN ACCOUNT/DEBT HAS BEEN REPORTED AS CANCELED DEBT, IT CAN NO LONGER BE REPORTED AS SUCH ON A CONSUMER REPORT FILE. ( Please See Enclosure, IRS Form 1099-C from XXXX XXXXXXXX XXXX Dated XX/XX/XXXX ) Despite the foregoing, the following Accounts FOR OVER ONE ( 1 ) YEAR have continued to be reported on my TRANSUNION CRF , appearing FALSELY, FRAUDULENTLY, UNAUTHORIZED, INACCURATELY, and INCORRECTLY, despite CLEAR INDICATIONS of their INACCURACY, INCORRECTNESS, INVALIDITY and/or CANCELLATION OF DEBT : XXXX XXXX XXXX XXXX ACCOUNXXXX XXXX XXXXXXXX {$9400.00} : This account continues to be reported as active debt despite being canceled. The creditor/lender for over one ( 1 ) year has failed to send me a copy of IRS FORM 1099-C, which would signify debt cancellation. ( Please See Supporting Documents IRS Form 1099-C from XXXX XXXXXXXX XXXX Dated XX/XX/XXXX, for what should have been sent to me by XXXX XXXX XXXX XXXX ) ; XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} and XXXX ACCOUNT XXXX XXXX {$2600.00} : These Accounts continue to be reported as charged-off with outstanding debt balances despite the debt being canceled. The creditor/lender for over one ( 1 ) year has failed to send me a copy of IRS FORM 1099-C, which would signify debt cancellation. ( Please See Supporting Documents IRS Form 1099-C from XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, for what should have been sent to me by XXXX ; XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX XXXX This account has continued to be reported for over one ( 1 ) year despite their failure to provide the written and requested validation ; and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ) : This account has continued to be reported for over one ( 1 ) year despite their failure to provide the written and requested validation.

III. Ongoing FCRA VIOLATION BY TRANSUNION REGARDING XXXXXXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, XX/XX/XXXX, ACCOUNT XXXX  XXXX, BALANCE- {$190.00} : On XX/XX/XXXX, I submitted a FORMAL and COMPREHENSIVE DISPUTE LETTERS regarding XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXX, BALANCE- {$190.00} to all three major consumer reporting agencies : XXXX XXXX XXXX XXXX and TRANSUNION XXXX 

This dispute was supported by SWORN, NOTARIZED, and WRITTEN DOCUMENTATION, and submitted under my rights as a Consumer pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I explicitly asserted that the ACCOUNTS in question were FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIED, and UNVALIDATED. In addition, I requested that the ACCOUNTS BE REMOVED/DELETED due to their FAILURE TO COMPLY WITH FEDERAL VERIFICATION and ACCURACY STANDARDS.

Following receipt and processing of my FORMAL and COMPREHENSIVE DISPUTE LETTERS : EXPERIAN and EQUIFAX promptly/eventually and appropriately REMOVED/DELETED ONE OR BOTH OF the FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIED, and UNVALIDATED ACCOUNT INFORMATION FROM MY CONSUMER REPORT FILES thereby acknowledging the LACK OF VALIDATION AND/OR FAILURE TO MEET FCRA/FDCPA COMPLIANCE STANDARDS. ( Please See Supporting Documents XXXX ONLINE REPORT XXXX NO COLLECTIONS & XXXX  CREDIT REPORT XXXX ONE ( 1 ) XXXX XXXX XXXX ) TRANSUNION, however, has KNOWINGLY, WILLINGLY, AND UNLAWFULLY CONTINUED TO REPORT AND FURNISH THESE SAME TWO ( 2 ) ACCOUNTS OVER ONE ( 1 ) YEAR LATER DESPITE HAVING RECEIVED IDENTICAL DISPUTE AND SUPPORTING EVIDENCE AS BOTH XXXX XXXX XXXX ( PLEASE SEE SUPPORTING DOCUMENTS, XX/XX/XXXX, TRANSUNION FICO SCORE REPORT-COLLECTIONS 2 ) TRANSUNION 's Actions Constitute Clear Negligence and Violations of Federal and State Law : AS OF XX/XX/XXXX, PER MY LEGAL CORRESPONDENCE TO XXXX  FOR A REINVESTIGATION AND REQUEST FOR DELETION OF THIS FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, and INCORRECT ACCOUNT INFORMATION BEING ON MY CONSUMER REPORT FILE, THESE ACCOUNTS WERE DELETED FROM MY CONSUMER REPORT, THEREBY ACKNOWLEDGING THE LEGITIMACY ON MY DISPUTE AND THE INACCURACY AND INCORRECTNESS OF SAID ACCOUNTS INFORMATION XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ( PLEASE SEE SUPPORTING DOCUMENTS, XXXX XXXXXXXX REPORT XXXX XXXX COLLECTIONS REPORTED ) TRANSUNIONs continued furnishing and reporting of this FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIED, and UNVALIDATED ACCOUNT INFORMATION FROM MY CONSUMER REPORT FILES, after its deletion by XXXX XXXX XXXX XXXX is a profound failure of its duties under the Fair Credit Reporting Act ( FCRA ) and other relevant Statutes, constitutes multiple violations of the under said Act.

IV. Federal Violations ( Fair Credit Reporting Act - FCRA ) -By continuing to furnish and report this FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, and UNVALIDATED information in my CRF , TRANSUNION IS IN CLEAR VIOLATION OF : Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Reasonable Reinvestigation. Upon receiving a dispute notice from the consumer, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TRANSUNIONs continued reporting of this account suggests it either FAILED TO CONDUCT A REINVESTIGATION OR CONDUCTED A SUPERFICIAL, INADEQUATE REVIEW, THEREBY VIOLATING THIS PROVISION ; 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to Delete Inaccurate or Unverifiable Information. If the disputed information can not be verified, the consumer reporting agency is required to delete the item from the file. TRANSUNION 's failure to remove the accountdespite no validation provided by XXXX XXXX XXXX this requirement ; 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy. TRANSUNION is required to maintain reasonable procedures to ensure the maximum possible accuracy of information reported. Continuing to report unverifiable and outdated informationwhile other CRAs have deleted itdemonstrates negligence and a breach of this statutory duty ; 15 U.S.C. 1681o-Negligent Non-Compliance. The Law : Any CRA that negligently fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable to that consumer for actual damages and the costs of the action, together with reasonable attorney 's fees. TRANSUNION 's prolonged failure to remove these ACCOUNTS, despite receiving my DISPUTES and the CORROBORATING EVIDENCE of its deletion by other CRAs, rises to the level of negligence. Their inability to match the accuracy of EXPERIAN in this particular case demonstrates a clear LACK OF REASONABLE CARE IN FULFILLING their FCRA DUTIES ; 15 U.S.C. 1681n-Willful Non-Compliance. The Law : Any CRA that willfully fails to comply with any requirement imposed under the FCRA with respect to any consumer is liable for actual damages, statutory damages ( between {$100.00} and {$1000.00} ), punitive damages, and costs and reasonable attorney 's fees. " Willful '' can mean a knowing violation or a reckless disregard for the law. TRANSUNION 's continued reporting for " over one ( 1 ) year '' after being put on notice and after two other CRAs deleted the account demonstrates a severe and sustained disregard for its FCRA obligations. This is not a simple oversight ; it suggests a reckless indifference to the accuracy of my credit file and my rights as a consumer. This prolonged, uncorrected error, especially in contrast to the other bureaus, points strongly towards willful non-compliance ; AND 15 U.S.C. 1681s-2 ( b ) Failure to Correct Inaccurate Information Upon Notice. Furnishers of information XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXXXXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XX/XX/XXXX, ACCOUNT XXXX XXXX BALANCE- {$190.00}, once notified of a DISPUTE, MUST CONDUCT AN INVESTIGATION and INFORM THE CRAS OF THEIR FINDINGS. In this case THEY FAILED TO DO SO and FAILED TO PROVIDE SUFFICIENT DATA TO MYSELF OR THE CRAs. 

In addition to the above-said, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are in violation of 15 U.S.C. 1692g ( b ) ( FDCPA ) for their FAILURE TO VALIDATE ALLEGED DEBT and COMPLY WITH MY EXPLICIT REQUEST FOR DOCUMENTATION IN RELATION THERETO.

V. State Violations ( Wisconsin Consumer Act - WCA & Debt Collection Laws ) : Unfair Debt Collection Practices ( Wis. Stat. Ch. 427.104 ) The Law : XXXX XXXXXXXX of the Wisconsin Statutes governs debt collection practices. Wis. Stat. 427.104 ( 1 ) ( f ) specifically prohibits a debt collector from : " Disclose or threaten to disclose information concerning the existence of a debt known to be reasonably disputed by the customer without disclosing the fact that the customer disputes the debt. '' While this primarily applies to the debt collector, TRANSUNION 's actions facilitate this violation by continuing to report a disputed debt without the proper " disputed '' notation ; and The Violation : By continuing to report an account that you have clearly and comprehensively disputed ( leading to its deletion by other CRAs ), TRANSUNION 's is facilitating the reporting of information that is " known to be reasonably disputed '' without acknowledging that fact. This harms my financial reputation and ability to transact.

Facilitation of Unfair, Deceptive, or Misleading Practices : The WCA aims to protect consumers from unfair, deceptive, and misleading practices in consumer credit and debt collection. TRANSUNION 's role as a CRA is critical in this ecosystem. By MAINTAINING FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, and UNVALIDATED information in my CRF, TRANSUNION is EFFECTIVELY ENABLING AND PERPETUATING UNFAIR AND MISLEADING PRACTICES AGAINST ME, CONTRARY TO THE SPIRIT AND INTENT OF THE WCA. 

Applicable Case Law and Precedents : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must do more than parrot the furnisher 's responsethey must conduct an independent and reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs can be held liable for knowingly reporting false or unverifiable information and failing to remove it after dispute. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) : A CRAs failure to remove discharged or unverifiable debt after multiple disputes can justify punitive damages. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  : Even factually accurate entries that are misleading or unverifiable can violate 1681e ( b ).

VI. Supporting Legal Precedents : My CLAIMS are SUPPORTED BY ESTABLISHED LEGAL PRECEDENTS THAT AFFIRM THE DUTIES OF TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX XXXX  as FURNISHER UNDER the FCRA and FDCPA : VII. Damages Suffered : The presence of these numerous FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED INFORMATION Accounts on my CFR, coupled with TRANSUNIONS and XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX COLLECTIONS REPEATED FAILURES TO COMPLY WITH with their FCRA and FDCPA obligations, has CAUSED DIRECT, SIGNIFICANT, AND IRREPARABLE HARM TO MYSELF and MY REPUTATION. 

My CREDIT SCORE HAS BEEN SEVERELY and NEGATIVELY IMPACTED, REMAINING LOW and EXPERIENCING FURTHER DECREASES TO THIS DATE A DIRECT RESULT OF THE ACCOUNTS STATED HEREIN APPEARING IN MY TRANSUNION CRF. THIS FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, AND UNVALIDATED ACCOUNT INFORMATION has led to my being DENIED CREDIT ON MULTIPLE OCCASIONS, CAUSING SUBSTANTIAL FINANCIAL DETRIMENT, LOST OF EMPLOYMENT OPPORTUNITIES, and CONSIDERABLE EMOTIONAL DISTRESS, HUMILIATION, and FRUSTRATION in having to send out NUMEROUS DISPUTE LETTERS TO CRAS & CREDITORS/LENDERS, BEING DENIED, EMPLOYMENT, and BEING DENIED CREDIT.

VIII. Remedies and Relief Sought : I demand that your office conduct an immediate and thorough INVESTIGATION into these ongoing instances of FRAUD, FCRA, and FDCPA violations by TRANSUNION, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I seek the following remedies and relief : Enforcement Action : Immediate enforcement action against TRANSUNION for their repeated failures to comply with federal law, or referral to the Attorneys General of the States of Wisconsin, Illinois, and Pennsylvania for appropriate action ; Civil Penalties/Sanctions : Imposition of civil penalties or sanctions against TRANSUNION for their repeated failure ( s ) to ensure compliance with the FCRA ; Instruction to CRAs and Debt Collectors : Direct instruction to TRANSUNION, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX XXXX : DELETE & PERMANENTLY REMOVE/BLOCK the FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, and UNVALIDATED ACCOUNT XXXX XXXX XXXX, ACCOUNT XXXX XXXXXXXX, BALANCE- {$190.00} ; ORIGINAL XXXX XXXX, from all versions of my TRANSUNION CRF ; DELETE & PERMANENTLY REMOVE/BLOCK the FALSE, FRAUDULENT, UNAUTHORIZED, INACCURATE, INCORRECT, UNVERIFIABLE, and UNVALIDATED ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  CA XXXX XXXX XX/XX/XXXX, ACCOUNT XXXX  XXXX, BALANCE- {$190.00}, from all versions of my TRANSUNION CRF ; DELETE & PERMANENTLY REMOVE/BLOCK THE UNAUTHORIZED, XXXX, INACCURATE AND INCORRECT ACCOUNTS XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$9400.00} from my TRANSUNION CRF that has been reported to both the IRS and TRANSUNION as CANCELED DEBT by XXXX XXXX XXXX XXXX  ; DELETE & PERMANENTLY REMOVE/BLOCK THE UNAUTHORIZED, ERRONEOUS , INACCURATE AND INCORRECT ACCOUNTS XXXX ACCOUNT XXXX XXXXXXXX {$2100.00} AND XXXX ACCOUNT XXXX XXXX {$2600.00} from my TRANSUNION XXXX that has been reported to both the IRS and TRANSUNION as CANCELED DEBT by XXXX XXXX AND Provide WRITTEN CONFIRMATION of REMOVAL of said ACCOUNTS from all versions of my TRANSUNION CRF within Seven ( 7 ) days of receipt/date of this correspondence.

I have attached hereto detailed documentation support of my Claims for your Review, and respectfully request prompt action in this critical matter.

In closing I thank you in advance for your time and attention to this important and urgent matter. 

Respectfully Submitted, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief