Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of the information and verified the account listed below as reporting 100 % accurate. However, the accounts listed below are STILL inaccurate, and your company is still continuing to report errors on my credit file, which is causing serious damage to my credit score. 


I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate, erroneous, and obsolete information and accounts from my credit report! Below are the accounts and explanation of why these accounts must be removed according to the 1970 FAIR CREDIT REPORTING ACT. This is completely illegal and I will not allow you to keep consistently violating the FCRA laws on my credit report. Your company has treated me unfair! This has hurt my ability to obtain credit, get my dream job, and get a car. My family and I are severely suffering due to your companys negligence and clear violations of the law. 






Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is a WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is a WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 












Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Explanation of Factual Illegal Violation : This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account is in violation of 15 U.S.C. 1681 Section 602 A, 15 USC 1681 Section 604 A Section 2, 15 USC 1681 ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). This account has violated my rights to privacy, and I have never given written instructions to furnish this account to my credit report. This account is reporting inaccurately on credit report. I DEMAND THIS ACCOUNT TO GET REMOVED IMMEDIATELY. Please be advised this is A WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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