Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX Last XXXX digit SSN : XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Attention Transunion XXXX, I am writing to demand the removal of an inaccurate account on my credit report. This is my second letter requesting this action, as the inaccuracies on my credit report have not been rectified. In addition, Transunion has committed several serious violations during the initial investigation. 

The account I am demanding be removed from my credit report is : XXXX  Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) of the FCRA, this account in violation for not reporting 100 % accuracy despite previews disputes with transunion. 

Despite your supposed verification of my account, the information is still not matching across all credit bureaus and it is certainly inaccurate. The last date paid, date updated, last payment made, and date last active are inaccurate and do not match what XXXX and XXXX are reporting. The payment history for XXXX and XXXX also does not match with the other credit bureaus. I Demand to see the statement from the original creditor showing the late payments you claim I had in XXXX and XXXX ( every month ). I remind you that every piece of information on my credit report must be 100 % accurate or removed per the Fair Credit Reporting Act. 
I Demand that you send me proof of validation for the inaccuracies on my credit report. I want proof of validation for every item and payment history on my credit report. 

I demand that you send me the method of verification. I also demand that you send me your proof of investigation for the independent investigation beyond the original creditor that you claim to have conducted. Send me every piece of evidence you have matching exactly to my current credit report. If you do not have all of the documentation from the independent investigation you claim to have performed, then you are required to remove this account. Thus, you must remove this account. 

The date updated/date last reported shows that you have not investigated the account because it has also not been updated in the credit report. How can the date of last activity not have changed if you verified my account? Thus, you must remove this account. 

Transunion also failed to enter the notice of dispute on my credit report as you can see in the attached credit report. Thus, you must remove this account. 

These multitude of inaccuracies and violations are still affecting my credit and causing me, my family, and my business financial harm. I URGE you to take prompt action and remove this truly erroneous information from my credit report. I will be monitoring this situation closely. Be advised that because of Transunions negligence during the initial investigation, I have submitted an official complaint with the CFPB and FTC. 

I also recently received your computer-generated letter stating that you believe I am using a third-party company. I believe that this is a mere stall tactic to delay compliance with my original request, and it is a blatant violation of the FCRA. I want to remind you that I am the one who raised concerns about the accuracy of my credit reports, and I did so by sending you a certified letter myself. There was no third party involved, and I expect you to take my concerns seriously. 

Furthermore, I want to make it clear that there is no law that prohibits consumers from using a third party to help with credit disputes. In fact, Congress has explicitly granted consumers the right to seek assistance from third parties if they choose to do so. Your refusal to properly investigate my credit reports and your use of a third-party excuse are unacceptable. I now reserve the right to sue your credit bureau for violating the FCRA, and I am confident that I can prove ( in many ways ) that you did not use reasonable measures to ensure the accuracy of my credit reports. This letter is a formal notice to you that I demand that you immediately remove the erroneous account and provide me with the results within 15 days. I refuse your " third-party letter '' as it fails to comply with my request and only grants you additional time to delay the process. I take this matter seriously, and you MUST understand that I am prepared to take legal action if necessary. I expect your prompt attention to this matter, and I will not hesitate to pursue all available legal remedies to protect my rights. 

This is not a dispute letter, this is a demand letter. Delete this account immediately. 

Thank you for your attention to this matter. 


Sincerely, 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