Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.

1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is a FCRA violation?

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.

Receive notification if information in my file has been used against me in applying for credit or other transactions.

Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years
in most cases, 10 in the case of bankruptcy ).

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforc
e my rights under the FCRA.

1. The status is incorrect for the following account XXXX XXXX  Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

2. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX  Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

3. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. 

4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account violation XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please Immediately delete 5. Remove this account UNDER PENALTY OF PERJURY Delete this account for violation of 15 U.S.Code 1681e failure to maintain reasonable procedures 15 U.S.Code 1681b ( e ) ( 6 ) FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting Violation of 15 U. 
XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please Immediately delete these late payments 6. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
XXXX XXXX XXXX Account Number : XXXX l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report. 

7. YOUR RESPONSE CLEARLY CONTRADICTS WHAT YOUR REPORTING TO THE CREDIT BUREAUS AND NOW I HAVE PROOF IN A LETTER THAT YOUR COMPANY SENT ME STATING YOU HAVE NOT CHARGED THIS ACCOUNT OFF AND YOU IN FACT ARE TELLING THEM FALSE INFORMATION AND THIS IS CLEARLY XXXX XXXX XXXX XXXX  Account Number : XXXX YOUR COMPANY BY LAW CAN NOT REPORT ON MY CONSUMER REPORT WITH FALSE MISLEADING INFORAMTION AS YOU HAVE STATED IN WRITTING WITH YOUR COMPANY LETTER HEAD. ( 15 ) PLEASE RESPOND CERTIFIED MAIL THAT THIS ACCOUNT WILL BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY?.

8. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. please delete from credit report!

9. YOUR RESPONSE CLEARLY CONTRADICTS WHAT YOUR REPORTING TO THE CREDIT BUREAUS AND NOW I HAVE PROOF IN A LETTER THAT YOUR COMPANY SENT ME STATING YOU HAVE NOT CHARGED THIS ACCOUNT OFF AND YOU IN FACT ARE TELLING THEM FALSE INFORMATION AND THIS IS CLEARLY A V FST PREMIER Account Number : XXXX PLEASE RESPOND CERTIFIED MAIL THAT THIS ACCOUNT WILL BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY?. 

10. I WAS NEVER LATE ON ANY ACCOUNTS LISTED ABOVE. THESE ALLEGED LATE PAYMENTS ARE FALSE AND INACCURATE AND I DEMAND A FULL INVESTIGATION AND THEY BE REMOVED FROM MY CREDIT REPORT IF THEY CAN NOT SUPPLY PROPER DOCUMENTATION. Please show me documentation showi XXXX Account Number : XXXX a ) In connection with collecting a debt arising out of an extension of credit to a consumer in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any deliquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date or within an applicable grace period, when the only delinquency is attributable to late fee ( s ) or delinquency charge ( s ) assessed on earlier installment ( s ). please delete now off report.

11. Remove this account UNDER PENALTY OF PERJURY Delete this account for violation of 15 U.S.Code 1681e failure to maintain reasonable procedures 15 U.S.Code 1681b ( e ) ( 6 ) FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting Violation of 15 XXXX 
XXXX Account Number : XXXX l am demanding that you remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. I understand that you are required to notify me within 30 days and provide me with an updated copy of my credit report.

12. The status is incorrect for the following account Account Number : Please remove it from my credit report.

13. The following personal information is incorrect Account Number : Employers : STATE OF MICHIGAN 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX CONSTITUES AGGRAVATED IDENITY THEFT IN ACCORDIANCE WITH 18 USC 1028A. REMOVE THIS INQUIRY IMMEDIATELY! FURTHER MORE ANY INQUIRY TWO YEARS OR OLDER NEEDS TO BE DELETED IMMEDIATELY!

15. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX CONSTITUES AGGRAVATED IDENITY THEFT IN ACCORDIANCE WITH 18 USC 1028A. REMOVE THIS INQUIRY IMMEDIATELY! FURTHER MORE ANY INQUIRY TWO YEARS OR OLDER NEEDS TO BE DELETED IMMEDIATELY! 

16. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

17. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

18. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

19. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

20. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer 
reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX  Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. 

21. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. 

22. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
FLAGSHIP CRE Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

23. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY.

24. Pursuant to 15 U.S.C. 1681n ( a ) Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18 imprisoned for not more than 2 years or both. 
XXXX Date of inquiry : XX/XX/XXXX I DEMAND THESE INQUIRES ARE PERMENATELY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. 

25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX CONSTITUES AGGRAVATED IDENITY THEFT IN ACCORDIANCE WITH 18 USC 1028A. REMOVE THIS INQUIRY IMMEDIATELY! FURTHER MORE ANY INQUIRY TWO YEARS OR OLDER NEEDS TO BE DELETED IMMEDIATELY!

26. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : Employers : STATE OF MICHIGAN 29. To be clear I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me which is a violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. These accounts were not opened by me, and I did not give my authorization for them to be pulled. 
30. To be clear I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me which is a violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. These accounts were not opened by me, and I did not give my authorization for them to be pulled.

31. To be clear I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me which is a violation of the Fair Credit Reporting Act. 
XXXX XXXX Date of inquiry : XX/XX/XXXX In order to clear up this matter, I would like to see these inquiries removed from my credit file. If not, then reporting inaccurate information is also a violation of the FCRA under 623 ( a ). In order to avoid a lawsuit, I request that you DELETE these inquiries from my credit report. These accounts were not opened by me, and I did not give my authorization for them to be pulled.

32. YOUR RESPONSE CLEARLY CONTRADICTS WHAT YOUR REPORTING TO THE CREDIT BUREAUS AND NOW I HAVE PROOF IN A LETTER THAT YOUR COMPANY SENT ME STATING YOU HAVE NOT CHARGED THIS ACCOUNT OFF AND YOU IN FACT ARE TELLING THEM FALSE INFORMATION AND THIS IS CLEARLY A V XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX YOUR COMPANY BY LAW CAN NOT REPORT ON MY CONSUMER REPORT WITH FALSE MISLEADING INFORAMTION AS YOU HAVE STATED IN WRITTING WITH YOUR COMPANY LETTER HEAD. ( 15 ) PLEASE RESPOND CERTIFIED MAIL THAT THIS ACCOUNT WILL BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY?.

33. YOUR RESPONSE CLEARLY CONTRADICTS WHAT YOUR REPORTING TO THE CREDIT BUREAUS AND NOW I HAVE PROOF IN A LETTER THAT YOUR COMPANY SENT ME STATING YOU HAVE NOT CHARGED THIS ACCOUNT OFF AND YOU IN FACT ARE TELLING THEM FALSE INFORMATION AND THIS IS CLEARLY XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX YOUR COMPANY BY LAW CAN NOT REPORT ON MY CONSUMER REPORT WITH FALSE MISLEADING INFORAMTION AS YOU HAVE STATED IN WRITTING WITH YOUR COMPANY LETTER HEAD. ( 15 ) PLEASE RESPOND CERTIFIED MAIL THAT THIS ACCOUNT WILL BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY?.

34. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account violation ONEMAIN Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please Immediately delete these late payments VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 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 P.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 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints