Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent several letters to Transunion about inaccurate and incomplete information. They responded with a generic letter about third party collection companies. I have a right to dispute my report and they will not remove inaccurate or update incomplete information. I attached proof of the letter they keep sending even though I send my ID and my Social Security card and my Proof of address. Transunion is governed by 15 USC 1681 and they continue to violate my rights. I demand the accounts below to be removed because, According to 15 USC 1681 : I have a right to privacy and I did not give Transunion written permission to furnish these accounts. 

XXXX XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXXL with account number XXXX Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. 

XXXX XXXX with account number XXXX The date of last payment is wrong. 

XXXX XXXX with account number XXXX Please send me all business and transaction documents to prove that this account was legally verified XXXX with account number XXXX This account was sold but still reports a balance XXXX XXXX with account number XXXX This account was sold but still reports a balance XXXX with account number XXXX Remove immediately for the following reasons : # 1 this does NOT belong to me # 2 the other bureaus removed it because it couldnt be verified # 3 no proper investigation was done # 4 this is pure negligence XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says verified doesnt change this fact! 

XXXX XXXX with account number XXXX Each bureau reports a different date of last activity XXXX XXXX with account number XXXX XXXX different dates listed under " date of last activity '' I request that you VERIFY this information and provide me with copies of any documentation associated with your investigation. In the absence of any such verification, I request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 

Lastly, Credit reporting agencies are required by federal law to obtain a consumer 's consent before publishing information in their consumer files. I also do not consent to you making money from the use of my name.

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