ATTN CFPB : THIS IS NOT A DUPLICATE COMPLAINT, I AM FILING THIS COMPLAINT IN REGARDS TO MY PREVIOUS COMPLAINT. TRANSUNION RESPONDED TO ME THROUGH THE PORTAL, I THEN RESPONDED TO THEM THROUGH THE PORTAL, AS IT IS NOW XXXX XXXX, 2015 I HAVE NOT RECIEVED A RESPONSE FROM TRANSUNION IN REGARDS TO MY RESPONSE. TRANSUNION HAS NOW LEGALLY EXCEEDED THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. THE DISPUTED ITEM OUTLINED IN MY ORIGINAL DISPUTES MUST NOW BE LEGALLY REMOVED FROM MY TRANSUNION CREDIT REPORT. 
I am writing in regards to my original disputes referenced with the CFPB. I have disputed these alleged accounts information as inaccurate with Transunion, and Transunion has come back to me and stated that they were able to verify these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted each of the creditor listed on my credit report myself and have been unable to get them to verify that these are indeed my debt. 
I have previously enclose copies of my requests for them to Validate my debts, and the receipts showing that I sent these letter certified signature request. These debt are not mine and I was given no evidence of my obligation to pay these alleged debts to the creditor 's listed on my Transunion credit report.. 
The FCRA requires Transunion to VALIDATE the validity of the disputed items within 30 days. If VALIDATION can not be verified, Transunion is obligated by law to remove the disputed items listed in my original dispute. There is a clear case of unverified debt here, and I urge Transunion to remove these items before I am forced to take legal action. 
Transunion has legally failed pursuant to the FCRA, to VALIDATE the disputed items outlined in my original disputes and is continuing to list the illegally disputed items on my credit report I will find it necessary to sue Transunion for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue Transunion in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Transunion credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Transunion. 
I look forward to a speedy resolution of this matter.