Consumer complaint received 2024-05-30 00:00:00
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.
State: MD

Complaint narrative:
Please be minded that if you send a computer generated letter not to open the dispute request I am going to file a complaint. There is not a single item in my letter that could possibly lead one to believe it was not written by me. Failure to do so must be penalized according to 616. [ 15 U.S.C. 1681n ] that states any person who willfully fails to comply with any requirement under this law concerning a consumer is accountable to that consumer for a sum comprising : 1. A : The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more that {$1000.00}. 

Since I know that this letter will be sent through an automatic system you have, I will make it brief. You informed me that my disputes were " verified as accurate '' after I provided evidence of discrepancies in the form of FACTS that I directly obtained from my credit report. Given that I'm using the information from my credit record, how is this possible? I believe that after you receive my letters and enter them into the computer, the computer forwards them to the XXXX, and the creditor simply compares what you have. 

It will, of course, be confirmed when you compare your information to theirs! I am aware that you are required to conduct a separate inquiry to verify the accuracy of this information, but I need to see the actual process to make sure you have complied with FCRA laws. Both the paperwork utilized for this independent investigation and a fresh one based on the factual information provided below should be sent to me. 



Below are the following accounts that needs to be deleted or removed as it is being falsely reported on my credit report. 



XXXX XXXX : Account number : XXXX, Each bureau reports a different date of last activity and Repetitive XXXX marks on this report, remove this account for violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Account number : XXXX, Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, high balance, last payment, past due amount, date of first delinquency and date closed as they are missing from the report. I am demanding the immediate removal of this account from my credit report. 

XXXX : Account number : XXXX, Please clarify the payment status, comments, balance and account number as they might be erroneous. Delete them from my credit report altogether. 



I ask that you take urgent action to comply with Section 611 ( 5 ) ( A ) of the FCRA, which requires you to " ... promptly DELETE all information which can not be verified. '' I want all of the aforementioned accounts deleted right away. Send me a copy of your most recent, revised credit report indicating the deletion of these items. 


Yours Truly, 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