Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
To Transunion To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX  XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 2. 15 U.S code 1692e False or misleading representations. FDCPA Section 807 Violation Misleading False Reporting. 15 U.S code 1692f-Unfair practices XXXX Account Number : XXXX**** Please remove it from my credit report.

3. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXXXXXX, XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, 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