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Reporting company used your report improperly. To Whom It May Concern CFPB I am filing a formal complaint against TransUnion for reporting inaccurate and harmful information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) the specific account in question is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$530.00} Date Opened : XX/XX/year> Status : Charge-Off I have disputed this item with TransUnion previously but no proper investigation was conducted and the item remains on my credit report causing me continuous harm despite my request for validation and reinvestigation under FCRA Section 611 [ 15 U.S.C. 1681i ] TransUnion failed to meet its legal obligation to conduct a reasonable reinve