Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report. XXXX. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. XXXX XXXX XXXX
 Case Number: XXXX XXXX XXXX XXXX XXXX for each violation as you have caused severe damage to my character.
XXXX. 15 U.S.C 1681B (c) (1) (A)(B)(3) FURNISHING reports in connection with credit or insurance transaction
That are not initiated by consumer.
 XXXX   Date of inquiry: XXXX   Please remove it from my credit report. Did not consent to unauthorized inquiry.
XXXX. 15 U.S. Code 1635(b) Return of money or property following rescission - Right of rescission as to certain
transactions
 XXXX   Account Number: XXXX
 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and
remove from my credit report. XXXX. 15 U.S. Code 1635(b) Return of money or property following rescission - Right of rescission as to certain
transactions
 XXXX   Account Number: XXXX
 This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and
remove from my credit report.
XXXX. 15 U.S.C 1681B (c) (1) (A)(B)(3) FURNISHING reports in connection with credit or insurance transaction
That are not initiated by consumer.
 XXXX XXXX
 Date of inquiry: XXXX
 Please remove it from my credit report. Did not consent to unauthorized inquiry.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
 COAF
 Date of inquiry: XXXX
 Please remove it from my credit report.
XXXX. Under 15 U.S. Code 1681e(b) and 15 U.S. Code 1681i (5) this account in violation not reporting 100
accurate
 XXXX XXXX   Account Number: XXXX
 Please remove it from my credit report.
XXXX. 15 U.S. Code 1692g(b)Disputed debts - Validation of debts
 06 XXXX XXXX XXXX   Account Number: XXXX   This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and
remove from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN XXXX DAYS 15 USC 1681C-2
 XXXX XXXX
 Date of inquiry: XXXX
 Please remove it from my credit report.
XXXX. The following personal information is incorrect
 Account Number:
 Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect
 Account Number:
 Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, XXXX, XXXX,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within XXXX  days or less, to avoid any
unnecessary legal expenses.
I have filed an XXXX XXXX  complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED. 
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely,
XXXX XXXX 
CC:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC: Consumer Financial Protection Bureau via XXXX  XXXX XXXX
CC: Attorney Generals Office  CC: Better Business Bureau CC: State Senate CC: Federal Deposit Insurance Corporation CC: Comptroller Of The Currency CC: Federal Reserve System CC: Credit and insurance CC: Federal Trade Commission CC: State Regulatory agency

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