Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately. 
Personal Information for TransUnion NAME : XXXX XXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter. 
CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX, TN XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX  Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} Derogatory Account not disputed Closed Charged off as bad debtDispute resolved ; reported by grantor XX/XX/XXXX {$790.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$790.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Bank Credit XXXX XXXX {$0.00} XXXX Credit Card {$600.00} The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! 
XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Derogatory Account not disputed Closed Charged off as bad debtProfit and loss write-off XX/XX/XXXX {$0.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$260.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Bank Credit Cards Collection/Chargeoff {$0.00} XXXX XXXX credit card {$100.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I insist that XXXX update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action XXXX be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately. 
XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Derogatory Account not disputed Closed Charged off as bad debtPurchased by another lender XX/XX/XXXX {$0.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Variety Store Collection/Chargeoff {$0.00} -- Charge account -- I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. It's very important that we have accurate information so that we can avoid potential problems in the future. Unfortunately, it seems that you have not taken this seriously, and I'm afraid that legal action may be necessary. 
XXXX XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Closed Account not disputed Closed Closed XX/XX/XXXX $ 0 Monthly ( every month ) XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$22000.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual XXXX XXXX XXXX 60 Days {$0.00} 78 Month ( XXXX ) Auto Loan -- The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted. 
I C SYSTEM Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} Derogatory Account not disputed Open Placed for collection High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : TransUnion {$1800.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX SSN : XXXX XXXX : XX/XX/XXXX Past Due Amount : {$0.00} TransUnion XXXX XXXX XXXX XXXX, PA XXXX The information above has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to- date, and I demand that it be corrected. 
THESTARKCOLL Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$920.00} Derogatory Account not disputed Open Account information disputed by consumer, meets FCRA XXXX {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$920.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- The information provided above has not been certified to meet any reporting standards, and XXXX be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document. 
XXXX CRED Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} Derogatory Account not disputed Open Placed for collection {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$1300.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 
CREDIT COLL Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$330.00} Derogatory Account not disputed Open Placed for collection {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$330.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- Your information is outdated and does not meet the accuracy standards we require. If it is not updated immediately, legal action XXXX be necessary. We value accuracy in our databases and credit reports, so please delete this information immediately. 
Inquiries XXXX OF XXXX XX/XX/XXXX TransUnion I believe this inquiry on my credit file is unauthorized and would like it removed or proof that you have permission to pursue this course of action under the Fair Credit Reporting Act. Please provide documentation showing compliance with FCRA guidelines. 
Account Type : -- XXXX OF XXXX XX/XX/XXXX TransUnion Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX The law states that you must give permission before someone accesses your personal information. This should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. 
In appreciation, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms! 
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

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