Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX Phone : XXXX XXXX XXXX ATTention XXXX XXXX Transunion Attempted to do it on Website /Declined it ( see proof attached ) Disputed by Mail TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Transunion Failed to Complete my Disputes and correct my Credit report File Number : XXXX I- Request forProof or Immediate removal of the Collection account in my credit report in Compliance Credit Reporting Laws and Regulations II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.

In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.

Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you are required to provide me ALL relevant information Documentation and proof gathered during your investigation ) Transunion Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Transunion Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX Transunion resistance was to my phone and email and website disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.

I made several attempts to dispute on line in several different days and time and AL I received was " " Dispute Temporarily Unavailable.

Looks like theres a temporary error.

What to do now : Please wait a few minutes and try again. Return to the Dispute Center. 
To report this error, contact our Website Access Support team '' ****Please Remove his Inaccurate information as being in Dispute from my credit report Immediately XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX  Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached XXXX  Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX Notice of Formal Dispute I am writing to formally dispute Inaccurate information as presented in credit Reports Generated by you. I am currently disputing the validity and accuracy information listed below and demand that you either provide all the necessary documentation as required by FCRA and the consumers right laws upon your full investigation and proof of accuracy, or DELETE the inacurate information I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX ****Please Remove his Inaccurate information/account as being in Dispute from my credit report Immediately XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account MidlandCM Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached MidlandCM Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion in Violation OF Fair Credit Reporting Act Transunion is in Violation of my Rights as consumer as described under Fair Credit Reporting ACt Transunion is obligated by law to provide my Credit Report accurately and truthfully ***I demand that you either provide proof and documentation coming out of your full investigation of this inaccurate information /account listed above or DELETE them Immediately from my credit report ***In the absence of providing the requested documentation, I demand that you DELETE them Immediately from my credit report I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl, XXXX Phone : XXXX 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 explanation