Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 5th dispute with this company regarding inaccurate information on my credit report that does not belong to me. There are addresses that do not belong to me that they are not removing and they must belong to whoever is obtaining accounts with my information or they are mismatching my file with another consumer 's. This company has failed to produce any information whatsoever that proves these accounts are mot mine. 
There is a bankruptcy reporting on my file that does not belong to me and they are coming back as verifying this account yet when I contacted the court, they state they do not verify records with the CRA 's. Therefore ; this account is unverified and must be removed. 
I have major discrepancies on my report and the FCRA demands that all accounts are reported accurately. XXXX % of the negative accounts on my file have different information being reported by all three bureaus, which is inconsistent and grounds for removal based upon that fact alone. I am absolutely certain that I am not the account holder and it is imperative that this issue gets resolved soon. You have a grave responsibility to make certain the accounts on my credit report are accurate, as Congress would agree with me. Your organization also must go beyond the original source once I notify you that I have inaccuracies ; you must also prove your method of verification. All of this has been ruled as absolutely necessary by Congress, all deriving from a lawsuit against one of the credit reporting agencies. I will be able to prove that you did nothing more than use an electronic response, and care more about the money you are making than the accuracy of these accounts. Once I take you to court, I will be win under the same violations as in said lawsuit. 
I have notified you that these accounts are inaccurate on my credit and you must reinvestigate ; if you do not, you are in violation of sections 611 ( a ), 616 and 617 of the FCRA, 15 USC 1681i ( a ), 1681n and 1681o. 1681i ( a ) places the burden of investigation squarely on the consumer reporting agency and by stating that I must handle this myself with the original creditor, you are in violation of said statute. 
Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to 1681 ( a ). I am including a lawsuit, XXXX vs XXXX ( now XXXX ) XXXX Circuit Court. My lawsuit against your company will include violations of the same statutes, 15 U.S.C. 1681-1681t. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. 15 U.S.C. 1681o. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. 15 U.S.C. 1681n. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
You are also relying on the subscriber to tell you whether to delete information from my report. In a reinvestigation of the accuracy of the accounts, a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. See XXXX b. Credit Bureau of XXXX XXXX XXXX, FL. Section 1681e ( b ) requires consumer reporting agencies " to follow reasonable procedures to assure maximum possible accuracy ' of the information contained in the credit report. Id. At XXXX ( quoting 15 U.S.C. 1681e ( b ) ). The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " grave responsibilities, '' 15 U.S. C. 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources.