Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
TransUnion violation of my consumer rights has had a detrimental impact on my life. They reported inaccurate information on my credit report, which was only rectified after significant damage had already been done. As a result, I encountered 3 different items on my report that caused me to miss out on life-changing opportunities. TransUnion actions are directly responsible for the denial of loans and credit cards, ultimately resulting in the complete ruin of my life. Therefore, I am pursuing legal action against TransUnion for defamation of character. 
As a consumer, I placed my trust in TransUnion to accurately report and maintain my credit information. However, I recently discovered that TransUnion has reported inaccurate and misleading information on my credit report. These erroneous entries remained on my report for an extended period, causing substantial harm and preventing me from accessing life-changing opportunities. 

Specifically, I found 3 different items on my credit report that were falsely reported by TransUnion. These inaccurate entries resulted in the denial of loans, credit cards, and other financial opportunities that would have had a significant positive impact on my life. The consequences of TransUnion negligence and failure to rectify the situation in a timely manner have been devastating, both financially and emotionally. 

In light of the aforementioned damages caused by TransUnion, I have consulted with legal counsel, and I hereby provide you with this formal Letter of Intent to Sue. It is my intention to pursue legal action against TransUnion for the following claims : Defamation of Character : TransUnion inaccurate reporting has unjustly damaged my reputation and character, resulting in tangible harm to my personal and professional life. Given the seriousness of the matter, I believe it is in both parties ' best interest to resolve this issue amicably and without protracted litigation. Therefore, I present the following settlement demand as a starting point for negotiations : Financial Compensation : I demand fair and just financial compensation in the amount of [ specify the amount you deem appropriate ] to address the damages I have incurred as a direct result of TransUnion actions. 

Corrective Measures : TransUnion must take immediate steps to rectify the inaccurate information on my credit report and ensure that such errors do not recur in the future. This includes updating my credit report with accurate information and providing written confirmation of the correction. 

Prevention of Future Harm : TransUnion must implement robust procedures and safeguards to prevent similar incidents from happening to other consumers. This includes reviewing internal processes, enhancing data accuracy protocols, and providing regular training to employees responsible for handling consumer credit information. 

I firmly believe that reaching a fair settlement will not only save both parties valuable time and resources but also help restore my trust in TransUnion commitment to consumer rights and data integrity. Please consider this letter as an opportunity to engage in meaningful discussions and negotiate a settlement that addresses the harm I have suffered. I request a response within [ specify a reasonable time frame, typically 30 days ] from the date of this letter to initiate the settlement discussions. Failure to respond or engage in good-faith negotiations will leave me with no choice but to proceed with legal action to protect my rights and seek appropriate remedies. I strongly advise you to forward this letter to your legal department and inform your designated representative to contact me at the earliest convenience. You may reach me at the provided contact information above. 

15 U.S. Code 1681- Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to 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. 

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681n ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 



15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 


Similar cases to mine. 

United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRWXXXX XXXX XXXX XXXX 

Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agencys negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses. 
The Verdict : The district court awarded XXXX XXXX XXXX actual damages of {$30000.00} for mental anguish, punitive damages of {$100000.00}, and attorneys fees of {$20000.00} for negligent and willful violations of the Act.

Phoenix Financial SE {$970.00} Date Opened XXXX Date Removed : XX/XX/XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$75.00} Date Opened XX/XX/XXXX Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Incorrect Personal Information : XXXX XXXX Placed XX/XX/XXXX Removed XX/XX/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