Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED and or INCORRECT information from my consumer file. 

I have disputed directly with TRANSUNION on XXXX separate attempts in efforts to delete the inncorrect accounts. 
I have attached all XXXX certified mail receipts and the tracking numbers and dates are listed below to show proof of the mailed disputes. 

Certified Mail Tracking numbers : 1. XXXX - Mailed XXXX 2. XXXX - Mailed XXXX 3. XXXX - Mailed XXXX 4. XXXX - Mailed XXXX After responding to each dispute TRANSUNION have stated in Writing that they have properly Investigated and Verified the following accounts. Please inform myself and the CFPB HOW ITS POSSIBLE to say you have conducted a proper investigation when there are 196 violations currently existing on my credit report. Additionally for proof of the violations I have attached, numbered and circled each violation on my credit report for your review. The last reported date is incorrect, THE date last active date is incorrect, the monthly payment is incorrect, the high credit amount is incorrect, THE XXXX year payment history is incorrect and the account TYPE is incorrect. ( This is grounds for immediate removal. ) TRANSUNION violated my rights under 15 U.S.C 1681 SECTION 611 ( 5 ) ( a ) ( 1 ( ii ). The law clearly states if items are found INACCURATE or can not be verified the consumer reporting shall PROMPTLY DELETE the information from the file of the consumer. 

LIST OF INACCURATE ACCOUNTS BELOW : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally TRANSUNION has XXXX public record reporting on my file that isnt verified. I have personally contacted the UNITED STATES BANKRUPTCY COURT OF XXXX XXXX OF GEORGIA via US Postal service and the court has returned Communication stating ( The bankruptcy court is not a vendor who supplies records for any of the major credit bureaus. ) Secondly Ive contacted XXXX XXXX whom shows NO bankruptcy on my credit report. I have attached the official responses received by each party to this CFPB complaint for proof and your review purposes. 

Bankruptcy : Dismissed XXXX XXXX -TRANSUNION also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : the law clearly states a consumer reporting agency can not furnish an account without my written instructions. ( I XXXX XXXX the consumer have NOT PROVIDED any COMPANY WITH CONSENT. ) -TRANSUNION also violated my rights under 15 U.S.C 1681 section 611 ( 2 ) ( A ) : the law clearly states the credit bureaus have five days to notify me from when they received my dispute. 
TRANSUNION has NOT sent myself any 5 day notices informing myself that my disputes were received. 

-Additionally 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 N ( A ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00} Proof of identity attached. 

Violations Total : XXXX Violations Total dollar amount : {$190000.00}

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