Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This missive should be received as an official intent to sue your agency for damages. There have been SEVERAL disputes sent to your agency regarding the correction of my personal information. There are accounts and addresses being reported to my credit report by your agency, that do not belong to me. Attached, are the previous letters sent to your agency regarding my personal information. 

YOU ARE DEMANDED TO DELETE THE FOLLOWING ADDRESSES THAT DO NOT AND HAVE NEVER BELONGED TO ME : XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have given your agency ample opportunity to correct this information. YOU ARE IN DIRECT VIOLATION OF MY RIGHTS AS THEY PERTAIN TO THE FAIR CREDIT REPORTING ACT. Pursuant to ( 15 U.S.C 1681 ( e ) subsection ( b ) ), which states, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The next step for me, would be to escalate this dispute and provide an invoice to your agency for damages owed due to negligent and willful non-compliance with the law as it pertains to 15 USC 1681 of the Fair Credit Reporting Act. This is my 3rd dispute. I HAVE PROVIDED PROOF. 

MORE SPECIFICALLY, DELETE THE FOLLOWING ADDRESSES : ADDRESS XXXX XXXX XXXX XXXXXXXX, DE XXXX REASON FOR DISPUTE THIS ADDRESS DOES NOT AND HAS NEVER BELONGED TO ME. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX REASON FOR DISPUTE THIS ADDRESS DOES NOT AND HAS NEVER BELONGED TO ME. 

You are required to DELETE this inaccurate information within 30 days of the receipt of this letter. Please note I have retained all documents formerly sent to your agency as well as the tracking information from the previous letters sent via certified mail. I am prepared to move forward if required. I have plenty of compelling evidence against your agency and the blatant violation of my rights as a consumer. Your agency furnished information to my file without my consent. In addition, with the absence of any investigation or verifiable information that connects me to these addresses. The Fair Credit Reporting Act protects my rights as a consumer, and I am willing to escalate as much as possible so that you understand you do not trump the law. Part 1022 of the Code of Federal Regulations states, 1022.43 Direct disputes : Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate. 


Please forward an updated credit report reflecting these deletions to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX MY CURRENT ADDRESS

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