Consumer complaint received 2025-05-28 00:00:00
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.
State: GA

Complaint narrative:
b'AFFIDAVIT OF LEGAL NOTICE UNDER THE FAIR CREDIT REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnAttn: Credit Reporting Disputes\nP.O. Box XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, being duly sworn, depose and state under penalty of perjury that the\nfollowing is true and correct to the best of my knowledge:\nXXXX I am a consumer as defined by the Fair Credit Reporting Act (FCRA), 15 U.S.C. \n1681 et seq., residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On or about XXXX XXXX XXXX I obtained my XXXX-Bureau Credit Report from XXXXnwhich included the following information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed: XXXX Account Status: Closed\n Date of Last Activity: XXXX XXXX XXXXn Date Reported: XXXX XXXX XXXX\n Date Opened: XXXX XXXX XXXXn Account Rating: Closed\n Creditor Type: Credit Unions\n Account Type: Credit Card\n Dispute Status: Account not disputed\n Creditor Remarks: Dispute resolved; customer disagrees\n1\n Credit Limit: XXXX. I hereby serve legal notice that I dispute the accuracy of the above account information\nreported by XXXX XXXX to TransUnion, as it is inaccurate, unverifiable, or potentially\nfraudulent. The creditors remark, Dispute resolved; customer disagrees, indicates\nXXXX XXXX failed to provide sufficient evidence to verify the account during a prior\ndispute.\n4. XXXX XXXX has failed to provide verifiable documentation, including but not limited to\na signed contract, account statements, or payment history, to substantiate the allegedXXXX debt or its reporting as a closed account. I assert that this account may not be\nmine or has been reported in error.\n5. Pursuant to 15 U.S.C.  1681i (FCRA Section 611), I demand that TransUnion conduct\na reasonable investigation within XXXX days of receipt of this affidavit and legal notice. If\XXXX XXXX cannot provide documented evidence verifying the accuracy of the reported\ninformation, the item must be immediately deleted from my credit file.\n6. Pursuant to 15 U.S.C.  1681s-2(b) (FCRA Section 623), I demand that XXXX XXXX,\nas the furnisher, investigate the disputed information and provide verifiable proof of\nthe debts validity to TransUnion within XXXX  days. Failure to verify requires XXXX XXXX\nto instruct TransUnion to delete or correct the item.\XXXX I further serve legal notice that XXXX XXXX and TransUnion must investigate whether\nmy personal information associated with this account has been sold, shared, or XXXXclosed to third parties without a permissible purpose under 15 U.S.C.  1681b. Any\nunauthorized disclosure, including for marketing or non-credit purposes without my\nexpress consent, constitutes a willful violation of the FCRA.\n8. Pursuant to 15 U.S.C.  1681g, I demand that TransUnion disclose, within XXXX days,\nthe sources of the disputed information and all recipients of my credit file, including\nany third parties to whom my personal information may have been sold or shared.\n9. Noncompliance with the FCRA will result in legal action, including claims for actual\ndamages, statutory damages up to XXXX per violation, punitive damages, and attor\x02neys fees, as provided under 15 U.S.C.  1681n (willful noncompliance) and 1681o\n(negligent noncompliance).\n10. Enclosed are copies of my identification and the XXXX  report dated XXXX XXXX, to support this dispute. [Note: Attach copies of your ID and the credit report\nwhen submitting.]\nI declare under penalty of perjury under the laws of the United States that the foregoing is\ntrue and correct.\nSignature:\nPrinted NameXXXX 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