Consumer complaint received 2024-11-13
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. (FL)

Subject : Final Warning for Immediate Removal of All Accounts Associated with Bankruptcy Record Due to FCRA and TILA Violations XXXX XXXX Bankruptcy Bankruptcy Filing Number : XXXX Date Filed/Reported XX/XX/XXXX Dear Sir/Madam, This letter addresses the continued reporting of a bankruptcy record and all associated accounts on my credit report despite multiple dispute rounds and verification attempts. I have sent three rounds of letters, each requesting verification and removal of these items, and each time your agencys response has failed to meet the compliance standards outlined in both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 


Additionally, I inform you that the court has granted me an affidavit clearly stating that they do not share information with credit reporting agencies. However, in your verification response, you claimed to have obtained this information from the original creditor, which is a clear violation of my rights. This action is not only unlawful but also suggests an intent to commit perjury against me. I am attaching this affidavit as evidence of this situation. 

The verification provided has been inadequate, failing to meet the regulatory requirements for accurate reporting. This communication serves as a final warning, demanding the immediate removal of all accounts linked to this bankruptcy record, including the bankruptcy account itself Bankruptcy XXXX XXXX : XXXX. 

*Reasons for Removal : * 1. *Violation of the Fair Credit Reporting Act ( FCRA ) : * - *15 U.S.C. 1681i - Investigation Requirements : * Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information. 

- *15 U.S.C. 1681b ( 2 ) - Permissible Purposes : * The information provided did not comply with the permissible purposes outlined in the FCRA. The verification process failed to meet the established standards for handling and reporting information. 

- *15 U.S.C. 1681a ( 4 ) - Privacy Rights : * The continued inclusion of this bankruptcy record and associated accounts infringes upon my privacy rights. The failure to follow appropriate procedures for handling sensitive information constitutes a violation of this section. 

2. *Violation of the Truth in Lending Act ( TILA ) : * - *Disclosure Requirements : * The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosures regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements. 




*Request for Action : * Given these violations, I demand the immediate removal of all accounts associated with the bankruptcy record from my credit report. This includes, but is not limited to, any and all accounts, judgments, and public records listed under this bankruptcy. Failure to comply with this request within 15 days of receiving this letter will leave me no choice but to escalate the matter further. This will include : DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX Date of Bankruptcy : XX/XX/XXXX DATE FILED : XX/XX/XXXX Additionally, the following accounts were included in the bankruptcy : XXXX. XXXX XXXX : * XXXX - XXXX XXXX : * XXXX Attach. The PROOF : - Filing formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 
- Pursuing legal action for the breach of my rights under the FCRA and TILA. 

This letter serves as your final opportunity to rectify this situation. Please take the necessary steps to ensure the removal of all related accounts and provide written confirmation of their removal within the specified timeframe. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Failure to respond satisfactorily within 15 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Trade Commission CC : State Regulatory agency