Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX reviewed the client 's file in D/S. All 3 credit bureaus are 0 days overdue. Pull updated credit report in XXXX dated XXXX for XXXX credit bureau, while XXXX and Transunion are need to upgrade the account. Also tried to pull credit report in XXXX XXXX but no luck. Redispute negative accounts in XXXX and TU. Enter result in D/S. Wrote NOI Letter to the 3 credit bureaus. Please see screenshot below. I will inform XXXX regarding the issue. DL will expire on XX/XX/XXXX. 

XXXX : Credit Score : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Charge off XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX Credit Score : N/A XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Charge off XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off TransUnion Credit Score : N/A XXXX XXXX Date opened XX/XX/XXXX Balance : XXXX XXXX Charge off XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Charge off XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : $ XXXX Charge off Creditor 's Information : XXXX XXXX!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Add notes in D/S Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX