Consumer complaint received 2024-08-02
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. (FL)

I am filing a formal complaint regarding inaccurate debt reporting by XXXX, XXXX ( collection agency ), and XXXX XXXX XXXX, Transunion and XXXX which has adversely affected my credit reports with Transunion and XXXX. These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused significant financial harm. 

Currently, I have filed a Federal lawsuit against XXXX, XXXX and XXXX XXXX investments and will be pursuing the other XXXX credit bureaus if a fair resolution is not provided. ( XXXX XXXX vs. XXXX, XXXX XXXX XXXX, XXXX case XXXX ) Specifically, the inaccurate information includes Collections reported by XXXX  from XXXX XXXX XXXX which were business related debts and not personal, meaning they should have never been on my report yet they have ben reporting for several years even after attempts and disputes of removal. These inaccuracies have unfairly impacted my creditworthiness and financial standing. I have a signed letter from XXXX 's CEO stating that the information is in fact inaccurate and this letter was based on a former complaint I made through CFPB directly to XXXX. Yet it still remained 2 years after the fact and continues to report. 

Under the FCRA, I am entitled to accurate credit reporting and prompt investigation of disputes. Section 1681s-2 of the FCRA mandates that consumer reporting agencies ( CRAs ) like XXXX, Transunion and XXXX and debt collectors like XXXX must promptly investigate and correct inaccurate information upon request.

Furthermore, these inaccuracies have caused me financial and emotional distress, which entitles me to pursue damages under the FCRA, including actual damages, statutory damages, and attorney 's fees as outlined in Section 1681n of the Act.

I have attached copies of the original complaint filed against these entities, along with supporting documents including credit reports highlighting the discrepancies. This documentation should provide a clear overview of the issues at hand. 

Therefore, I respectfully request the following actions from the CFPB : Removal of Inaccurate Information : I request that XXXX and Transunion Investments promptly remove the inaccurate debt information from my credit reports.

Investigation and Correction : I request that CFPB investigate these matters thoroughly and ensure that all entities involved comply with their obligations under the FCRA.

Arbitration for Damages : Due to the financial and emotional distress caused by these inaccuracies, I request arbitration to address the damages incurred, as provided for under Section 1681n of the FCRA.

During the course of the collections mis reporting, I have been declined business loans which would have provided my business room to expand. I have been declined for a mortgage, credit cards and funding.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please do not hesitate to contact me by responding to the complaint.