Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Greetings, You are receiving this letter as direction to this address for service purposes was provided to me by Transunion. Please forward to your Attorney or Office of General Counsel and this is attempt to resolve a matter before lawsuit.

This letter is in regards to several attempts to resolve incorrect demographic information on my credit report dated back to XXXX Demographic that belong to XXXX XXXX including Name, Address, and Phone number. Please see report file number XXXX dated XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX report XXXX I am reaching out in an attempt to resolve a complaint. If a settlement can not be reached, this letter will serve the purpose of being a notice of intent to file civilly for damages stemming from the complaints. Complaint forms will also be filed with the Federal Trade Commission, twice been filed Consumer Financial Protection Bureau and in process with the Attorney General 's Office. 
During the aforementioned, there were allegedly several violations of the Fair Credit Reporting Act. 
Attempts to resolve in good faith were made by requesting this information be deleted from my report via Transunion on-line dispute and calls to Transunion ( Please see seek call recording and you company notes ). 
The company has refused to cooperate with that request, and has several times added this information back to my report once it was removed. In my opinion, this is a play to force my hand into litigation. A play to call my bluff. There is no law mandating that you are not allowed to share those records of how many times I have disputed this information ( Demographic that belong to XXXX XXXX ) with me unless subpoenaed for it. 

Violations of the Fair Credit Reporting Act Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy A. Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required In general. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Transunion is in violation as stated I have notified Transunion on several occasions of the in accurate of the Name XXXX XXXX, Phone number and Address mention above. In which Transunion deleted the information immediately and it will automatically be placed back on my report. 

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
- Transunion is in violation because this information ( XXXX XXXX Demographic ) was immediately removed lead me to false hope that it wouldnt return. At some point Transunion also believed this information was inaccurate and the reason it was removed from my report to start. 

( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
-Transunion is in violation by replacing all the deleted demographic of XXXX XXXX information mention above back on my credit Report. 

( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
-Transunion is in violation by reinserting XXXX XXXX demographics on my credit report ( C ) Procedures to prevent reappearance. 
A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). 
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through 62 611 - 15 U.S.C. 1681i which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. 
- Transunion is in violation by not having the proper prevention in place for reinserting previous disputed and inaccurate information. 

Following the several disputes I have continued to experience high anxiety and depressive episodes about this interaction with Transunion. This refusal to resolve this matter has substantiates turmoil within our marriage that wouldn't have otherwise existed conducted professionally and legally. It unfortunately also reveals some of the severity of my diagnosis, which further invades her individual privacy beyond the disclosures already made in this letter. The Congressional findings and declarations of purpose of the Fair Credit Reporting Act specifically protects against collateral damage of this nature.

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