Consumer complaint received 2024-09-22
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. (SC)

I am writing to formally file a complaint against XXXX XXXX XXXX for their ongoing harassment, including sending inaccurate debt collection letters to my email, and providing conflicting and incorrect information regarding the account in question. This appears to be a violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as outlined in the U.S. Code. 

Nature of the Complaint XXXX XXXX XXXX has been sending me debt collection emails regarding an account with an incorrect account number. When I called their office to inquire about this account, I was told by one representative that they had the wrong person. However, another representative demanded I pay {$1.00} to obtain further details about the accountdespite it already being clear that this was a case of mistaken identity.

FCRA Violations ( 15 U.S.C. 1681 ) Under the FCRA, 15 U.S.C. 1681s-2, creditors and debt collectors are prohibited from furnishing inaccurate information to credit reporting agencies. The account in question has already been removed from my credit reports with XXXX and XXXX, as they acknowledged that the debt is not mine. However, XXXX XXXX XXXX continues to report this erroneous account to TransUnion, which has not yet removed the information despite the inaccuracy and my efforts to resolve the issue. 

XXXXXXXX XXXX XXXX  failure to correct this information, even after I disputed it, is a direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to promptly update or correct inaccurate data. 

FDCPA Violations ( 15 U.S.C. 1692 ) XXXX XXXX XXXX is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 for the following reasons : Harassment and Misrepresentation : They have sent multiple harassing emails containing inaccurate account information. Under 15 U.S.C. 1692d, debt collectors are prohibited from engaging in harassment or abuse. 
Failure to Provide Clear Information : When I called to inquire about the account, I was either told that they had the wrong person or was asked to pay {$1.00} to receive more information. This violates 15 U.S.C. 1692g, which requires debt collectors to provide clear, accurate, and complete information about the debt within five days of initial communication. 
Impact on My Credit The presence of this inaccurate information continues to harm my credit, despite XXXX and XXXX having already removed the account from my reports. TransUnions failure to comply after the debt has been verified as inaccurate reflects a significant lapse in their obligation under the FCRA, 15 U.S.C. 1681i, which requires timely correction of disputes. 

Requested Action I respectfully request that the CFPB : Investigate XXXX XXXX XXXX for their continuous harassment, inaccurate reporting, and failure to provide clear and accurate information regarding this account. 
Take enforcement action to ensure that XXXX XXXX XXXX ceases its unlawful practices, including re-reporting false information to TransUnion. 
Require TransUnion to remove the inaccurate debt from my credit report in compliance with 15 U.S.C. 1681i. 
I have enclosed relevant documentation, including the inaccurate communications from XXXX XXXX XXXX, my credit reports from XXXX and XXXX reflecting the removal of this account, and my most recent credit report from TransUnion showing that the account remains on file. 

Thank you for your attention to this serious matter. I trust that the CFPB will take swift action to protect my rights under federal law.