Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Subject : Final Notice of Willful FCRA Violations Demand for Immediate Deletion of XXXX Account # XXXX To Whom It May Concern : Your continued refusal to delete XXXX XXXX XXXX Account a paid-in-full account closed in XXXX despite XXXX disputes and irrefutable evidence, constitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and deceptive practices under New Mexico law. This is your final opportunity to resolve this matter before litigation proceeds. 
XXXX. Inaccurate Reporting of Account Status This account was legally closed in XX/XX/XXXX after being fully satisfied via : XXXX XXXX XXXX Covered the primary balance following a total loss claim. 
XXXX XXXX XXXX Settled the remaining deficiency. 
ViolationReporting this as active/derogatory violates FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), which mandates CRAs to conduct reasonable reinvestigations of disputed items.

2. Failure to Adequately Investigate Disputes ( FCRA 611 ( a ) ) TransUnion has disregarded XXXX disputes since XX/XX/XXXX, including : XX/XX/XXXX Submitted proof of payment and closure. 
XX/XX/XXXX XXXX falsely verified the debt. TransUnion failed to address conflicting evidence. 
XX/XX/XXXX XXXX dispute rejected with generic responses. XXXX XXXX XXXXXXXX XXXX XXXXXXXX & XXXX * ( XXXX XXXX XXXXXXXX ) : CRAs can not blindly accept furnisher responses without scrutiny. 
Precedent v. TransUnion * ( XXXXXXXX XXXX XXXX ) : Courts penalize CRAs that ignore documented proof. 
3. Re-Aging & False Timelines ( FCRA 623 ( a ) ( 5 ) ) BMW falsely reports a last payment date post-2021, artificially extending the reporting period.This : Violates FCRA 605 ( c ) ( prohibiting reaging of debts ).

Qualifies as a deceptive act under NMSA 57-12-2 ( D ), warranting treble damages under 57-12-10.

4. Concealing Verification Methods ( FCRA 611 ( a ) ( 7 ) ) TransUnion has refused to disclose : Contact information for BMWs certifying representative. 
Documents used to verify the account. 
Methodology of your investigation. 
XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) mandates CRAs disclose verification procedures. 
Final Demands Within 15 days ( by XX/XX/XXXX ), TransUnion must : XXXX Delete XXXX Account # XXXX from all credit files. 
XXXX Provide written confirmation of deletion and : Name/contact of XXXX  certifier. 
All documents XXXX provided. 
TransUnions internal investigation notes.

3 Cease reporting this account.

Consequences of Noncompliance Failure to comply will result in : Federal Lawsuit Seeking {$3800.00} per violation ( FCRA 616 ), punitive damages, and injunctive relief.

State Action Treble damages under XXXX XXXX for deceptive practices. 
Regulatory Complaints Filed with the CFPB, FTC, and New Mexico Attorney General. 
This is not a negotiation. Act immediately to avoid liability. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief