Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

FINAL DEMAND LETTER BEFORE LEGAL ACTION TransUnion LLC XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX, FL XXXX Claimants Name : XXXX XXXX Claimants Address : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX Claimants Email : XXXX Claimants Phone : XXXX Dear TransUnion LLC, Please be advised that you owe me the following : Amount Requested : {$15000.00} Description : Since XX/XX/XXXX, you have failed to correct inaccurate information on file despite multiple attempts to resolve this issue through your system. The following information must be corrected, and the listed accounts and inquiries must be removed immediately as per my legal rights. 

Accounts and Inquiries to be Removed Immediately Due to Inaccuracies : XXXX. XXXX : Balance : {$68.00} Balance Date : XX/XX/XXXX Term : 0 months Demand : Immediate removal due to inaccurate reporting per 15 U.S.C. 1681e and 1681k. 
XXXX. XXXX XXXX : Balance Date : XX/XX/XXXX Monthly Payment : {$640.00} Term : 1 month Demand : Immediate removal due to unverified debt, as per 15 U.S.C. 1692g. 
XXXX. XXXX XXXX : Balance Date : XX/XX/XXXX Monthly Payment : {$1000.00} Term : 1 month Demand : Immediate removal due to unverified debt, as per 15 U.S.C. 1692g. 
XXXX. XXXX XXXX : Balance Date : XX/XX/XXXX Term : 6 months Demand : Immediate removal due to conflicting and inaccurate reporting of account balances and terms, violating 15 U.S.C. 1681e. 
XXXX. XXXX XXXX : Balance Date : XX/XX/XXXX Term : 12 months Demand : Immediate removal due to conflicting reporting on balance dates and payment terms, violating 15 U.S.C. 1681e and 1681k. 
XXXX. XXXX XXXX : Balance Date : XX/XX/XXXX Term : 18 months Demand : Immediate removal due to conflicting information on payment terms and unverified debt, as per 15 U.S.C. 1681e and 1692g. 
XXXX. XXXX : Balance Date : XX/XX/XXXX Term : 9 months Demand : Immediate removal due to conflicting balance dates and monthly payment terms, violating 15 U.S.C. 1681e and 1681k. 
XXXX. XXXX  : Balance Date : XX/XX/XXXX Term : 9 months Demand : Immediate removal due to inaccurate reporting and conflicting information about payment schedules, violating 15 U.S.C. 1681e. 
XXXX XXXX : Balance Date : XX/XX/XXXX Term : 9 months Demand : Immediate removal due to conflicting balance date information and inaccurate monthly payment terms, as per 15 U.S.C. 1681e and 1681k. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 11 months Demand : Immediate removal due to unverified debt, as per 15 U.S.C. 1692g. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 11 months Demand : Immediate removal due to conflicting and unverified balance information, violating 15 U.S.C. 1692g. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 28 months Demand : Immediate removal due to conflicting and inaccurate balance reporting, as per 15 U.S.C. 1681e and 1681k. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 24 months Demand : Immediate removal due to conflicting and unverified information about balance and payment terms, violating 15 U.S.C. 1692g. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 29 months Demand : Immediate removal due to unverified debt, as per 15 U.S.C. 1692g. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 23 months Demand : Immediate removal due to conflicting balance date and term information, violating 15 U.S.C. 1681e. 
XXXX. XXXX XXXX  : Balance Date : XX/XX/XXXX Term : 20 months Demand : Immediate removal due to unverified debt and inaccurate reporting of balance dates, as per 15 U.S.C. 1692g. 

Inquiries to be Removed Immediately Due to Inaccuracies : XXXX. XXXX XXXX Inquiry : Date : XX/XX/XXXX Demand : Immediate removal due to inaccurate reporting and unauthorized inquiry, violating 15 U.S.C. 1681b. 
XXXX. XXXX Inquiry : Date : XX/XX/XXXX Demand : Immediate removal due to inaccurate reporting and unauthorized inquiry, violating 15 U.S.C. 1681b. 
XXXX. XXXX XXXX Inquiry : Date : XX/XX/XXXX Demand : Immediate removal due to inaccurate reporting and unauthorized inquiry, violating 15 U.S.C. 1681b. 

These inaccuracies have persisted despite repeated attempts to correct them. 

Demands : This will be your only chance to settle this matter before I file suit against you in XXXX XXXX XXXX. I am agreeable to a lump sum payment of {$15000.00}. Please contact me within XXXX weeks of receiving this request, or I will file a lawsuit against you without further notice. It is in your best interest to settle this matter before a lawsuit is filed. If a judgment is obtained against you, you will be ordered to pay court costs and attorney fees. 

Failure to comply may also result in reporting this violation to the Consumer Financial Protection Bureau ( CFPB ) and further legal action in federal court. If the matter goes to court, I will seek compensation for damages caused by your failure to comply with the FCRA and other relevant laws. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX