Consumer complaint received 2024-10-19
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. (OH)

i am writing to follow up on my previous dispute regarding inaccurate and fraudulent information appearing on my credit report. The recent investigation results I received, were incomplete and unsatisfactory. The accounts in question remain inaccurately reported or were incorrectly verified despite the documentation I provided. Below is a detailed summary of the disputed accounts, legal citations, and the actions I am demanding to ensure compliance with the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  ( Account # XXXX ) Dispute : The account is incorrectly reported as charged off despite my dispute. I was coerced into a pay to delete arrangement, which XXXX XXXX failed to honor. I never provided written consent for this account to appear on my credit report. Legal Violations : 15 U.S.C. 1681s-2 ( b ) : XXXX XXXX, as the furnisher of credit information, is obligated to conduct a reasonable investigation into disputed information. Since XXXX XXXX  has not provided valid proof of the charge-off or consent to report, they are in violation of this section. 15 U.S.C. 1681i : I demand reinvestigation of this account. The investigation failed to verify the charge-off based on valid documentation, which violates my rights under this section. 15 U.S.C. 1681c : If the charge-off was inaccurately reported or based on false consent, it must be deleted under this section. Adverse information can not be reported without proper verification. Action Requested : I request immediate deletion of the XXXX XXXX  account from my credit report as per FCRA Sections 1681s-2 ( b ) and 1681i. Please provide verifiable proof of the accounts accuracy or remove the account entirely. I also request a detailed description of how the investigation was conducted. XXXX. XXXX ( Account # XXXX ) Dispute : The original X1 account was deleted, but it reappeared under the name XXXX. This account is fraudulent and the result of identity theft. I have provided documentation of identity theft, including an FTC Identity Theft Report, yet this account remains on my credit file. Legal Violations : 15 U.S.C. 605B : Under this section, I submitted an identity theft report, which obligates the credit reporting agency to block and delete fraudulent information from my credit file. The continued presence of XXXX violates this provision. 15 U.S.C. 1681m : The agency has failed to remove fraudulent information related to identity theft, even after a valid dispute and report were filed. Action Requested : I demand the immediate removal of the XXXX account from my credit report. Under 15 U.S.C. 605B, this account must be blocked or deleted as it is the result of identity theft. Please provide proof of the steps taken in the investigation, as required under the FCRA. 3. Inquiries : Dispute : There are several unauthorized credit inquiries, including XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), which are linked to identity theft and fraudulent accounts. Legal Violations : 15 U.S.C. 1681b : These inquiries were made without my authorization or permissible purpose. I have not granted consent for these inquiries to appear on my credit report. 15 U.S.C. 1681i and 605B : I demand these inquiries be removed immediately as they are the result of identity theft, and I have submitted the required identity theft documentation. Action Requested : I request that these inquiries be deleted from my credit report immediately. If these inquiries were authorized, please provide proof of my written consent or permissible purpose. Summary of Actions Demanded : Removal of the XXXX XXXX  ( Account # XXXX ) charge-off under 15 U.S.C. 1681i and 1681s-2 ( b ) unless verifiable proof of the charge-off can be provided. Deletion of the XXXX ( Account # XXXX ) under 15 U.S.C. 605B as a result of identity theft. Deletion of all unauthorized credit inquiries under 15 U.S.C. 1681b, 1681i, and 605B unless permissible purpose or written consent can be provided. An updated credit report reflecting these changes. A detailed report of how the reinvestigation was conducted, including copies of any documentation relied upon by the furnisher or TransUnion. Please conduct a reinvestigation of the disputed items within the 30-day timeframe as required under the Fair Credit Reporting Act. If the information can not be verified or if the appropriate documentation is not provided, I demand the immediate deletion or correction of the disputed items. Thank you for your prompt attention to this matter. I expect to receive a response within 30 days, including an updated credit report reflecting these corrections. Failure to respond appropriately will result in further action, including filing additional complaints with the CFPB, and I will seek legal remedies if necessary. Sincerely, XXXX XXXX