Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To whom it may concern : TransUnion XXXX XXXX XXXX  XXXX, PA XXXX I am contesting any information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standard, data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. 

You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the claims in my credit report are not true, please delete them immediately. 

Below is a summary of the data in which I am challenging : Personal Information for TransUnion NAME : XXXX XXXX XXXX - XXXX I would appreciate if you could take care of any incorrect names in your database. My actual name is XXXX XXXX XXXX. If you have anything in your system that is different from what I have just mentioned, please delete them immediately. 

CURRENT ADDRESS : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX - XXXX, XXXX The only reside at is : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX  XXXX Please remove any address you have in your system that does not match XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX Sincerely, You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating XXXX5 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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