Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to you regarding a dispute I have with your organization regarding inaccurate and incomplete information on my credit report. I have previously sent you a dispute letter dated [ insert date ] and a follow-up letter dated [ insert date ] through registered mail. However, to date, you have failed to comply with federal regulations and have not responded within the required 30 days. This disregard for the law is unacceptable and I intend to file a complaint with the FTC if this matter is not resolved promptly. 

As you are aware, federal law requires credit reporting agencies to respond within 30 days of receiving a dispute letter. Failure to comply with these regulations is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I have maintained a careful record of my communications with your organization and will be filing a complaint with the FTC should you continue in your non-compliance. Furthermore, I remind you that you may be liable for your willful noncompliance, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ). 

For the record, I would like to reiterate the following information that is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Under 15 USC 1666B, this is a billing error always paid as agreed on time. This is an error, and this account is in violation.

XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account XXXX : XXXX Please remove it from my credit report. 

I demand that you

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