Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : Notice of Intent to Sue and 14 Days to Cure Outside of Court Dear TransUnion and XXXX XXXX XXXX XXXX ( XXXX XXXX ), I XXXX XXXX, to inform you of her intent to pursue legal action against your organizations due to the significant harm caused by your actions. This letter serves as a Notice of Intent to Sue and provides you with a 14-day period to cure the damages outside of court. 

I. Introduction : My well-being has been severely affected by the inaccurate reporting on her credit profile by XXXX XXXX XXXX  XXXX , also known as XXXX XXXX The false information reported by XXXX XXXX XXXX  has been disseminated to all major credit bureaus, including TransUnion, XXXX, and XXXX, leading to significant negative consequences for XXXX XXXX. 

II. Violations of Federal and State Consumer Laws : XXXX XXXX XXXX  XXXXXXXX XXXX actions have resulted in numerous violations of federal and state consumer protection laws, including, but not limited to, the following : Fair Credit Reporting Act ( FCRA ) - 15 USC 1681n and o : These provisions of the FCRA grant individuals the right to recover damages for harm caused by false credit reporting. The inaccurate reporting of 1 late payment in XXXX and 2 consecutive 60-day late payments in XXXX and XXXX is a direct violation of the FCRA. 

State Consumer Protection Laws ( Georgia ) : XXXX XXXX XXXX  XXXX XXXX  misleading and inaccurate credit reporting also violates relevant consumer protection laws in the state of Georgia, which aim to safeguard consumers from unfair and deceptive practices. 

III. Damages Incurred : I have suffered extensive damages as a result of the inaccurate reporting on her credit profile. These damages include severe emotional distress, financial hardships, and potential adverse effects on her children 's education and safety. The unjust credit reporting inaccuracies have hindered her ability to secure housing in a good, safe neighborhood and have forced her to consider alternative living arrangements that may be less desirable and potentially expose her and her children to a higher crime rate. 

IV. Recorded Calls with XXXX XXXX : Please keep in mind I have diligently preserved and documented XXXX recorded calls with XXXX XXXX. These recordings provide compelling evidence of the wrongful actions and misleading information provided by XXXX XXXX. The recordings clearly demonstrate XXXX XXXXXXXX XXXX attempts to rectify the situation, as well as her closure of the account with XXXX XXXX long before the late payments were reported. 

V. Notice of Intent to Sue : This letter serves as a formal Notice of Intent to Sue Transunion and XXXX XXXX XXXX XXXX  intends to file a lawsuit in federal court against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) and seek legal remedies if an amicable resolution is not reached within 14 days from the date of this notice. This timeframe allows your organizations an opportunity to rectify the damages outside of court and avoid the need for protracted litigation. 

VI. Resolution and Settlement : We strongly urge TransUnion, XXXX, XXXX and XXXX XXXX XXXX  XXXX ( XXXX XXXX ) to consider the gravity of the situation and engage in earnest settlement negotiations. A fair and equitable resolution would not only mitigate the damages suffered by XXXX XXXX but also help maintain the reputation of your organizations and restore her financial stability. All lawsuits will be filed seperately and individually.

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