Consumer complaint received 2016-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Demanding A Credit Bureau Investigate FIRST : I recently pulled a copy of my credit report and noticed the following information is in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX NY XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my driver 's license as proof of identity. 



XXXX Report number XXXX XXXX, Texas [ XXXX ] XXXX XXXX XXXX XXXX New York [ XXXX ] DOB XXXX SSN XXXX Email : XXXX To Whom It May Concern : I recently submitted a request for investigation of an XXXX Acct Number # XXXX and XXXX SD XXXX Acct Number # XXXX .... which XXXX refused to remove the Collection of Both accounts. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. See Attachment If you had investigated properly, rather than use your XXXX system, you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine - though your company claims to have " verified '' this. 

It is now that I will point out that in XXXX TransUnion, XXXX and XXXX, et al, the courts ruled each time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I must take legal action to protect my credit rating and myself. As I 'm sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter. 


Dated : XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX CERTIFIED MAIL:XXXX XXXX, Texas [ XXXX ] CERTIFIED MAIL:XXXX Trans Union XXXX, PA [ XXXX ] CERTIFIED MAIL : XXXX To Whom It May Concern : I recently submitted a request for investigation of : 1. ) XXXX-FALSE CLAIM {$34000.00} and $ {$11000.00} NO SIGN JUDGMENT BY ANY JUDGE which you refused TO REMOVE! I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

2. ) XXXX - FALSE CLAIM ID XXXX Date XXXX XXXX {$93000.00} Federal Tax Lien filed but Search of UCC XXXX SEARCH herein Attach no liens filed NY DOS Sign by XXXX XXXX Dated XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX FALSE CLAIM ID XXXX Date XXXX {$26000.00} Federal tax lien filed. Please See UCC XXXX SEARCH herein Attach no liens filed NY DOS Sign by XXXX XXXX Dated 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 non-monetary relief