Consumer complaint received 2023-01-17
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:
According to the FCRA Section 611 ( 15 U.S.C 1681 ( l ) and the accepted Standard of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there is something on my credit report that does not seem right, you can bet that Ill be taking action to get it removed. I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations of the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know that are not in compliance could damage the reputation of the company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the accounts listed below and their permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my report. Please send my physical proof of any actions taken on my behalf. 



Below is a summary of the data in which I am challenging : I am extremely disappointed that the information you have provided is not accurate and does meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. 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 challenge must be addressed individually and on its own merits. If you do not process my letter 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. 



Inaccurate account listed below : XXXX Collections/charge off-reporting inaccurate information-Remove from my report.

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