Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
I am compelled to highlight the violation of my consumer rights caused by the dissemination of inaccurate information. Fair treatment by those responsible for its accuracy and compliance is my rightful expectation. I kindly request all available details on their failure to uphold these responsibilities. 
I must emphasize my intolerance towards negative information, regardless of certification. The veracity and truthfulness of your company 's activities and the data concerning my credit profile are of utmost importance. The provided credit report is unexpectedly inaccurate, raising doubts about adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to produce a verified, complete, and truthful document that presents evidence for each claim. Failure to follow these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, which is a matter of utmost seriousness. 
Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect XXXX : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX Employer XXXX XXXX  XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
I would like to bring to your attention that the records pertaining to Employer - XXXX XXXX XXXX are currently inaccurate, and do not meet the minimum standard for accuracy. It is therefore imperative that you promptly update your records to reflect the correct information. 
May I remind you that the presence of incorrect data in your records or on my credit report may have serious implications and may even result in legal action. As such, I request that you take immediate steps to rectify the situation, as inaccurate information has no place in either your records or on my credit report. 
Incorrect Name : - XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Name : - XXXX XXXX XXXX I kindly request your immediate attention and prompt resolution of any inaccuracies in the names recorded in your database. It is crucial to recognize that my correct and complete name is XXXX XXXX XXXX. Should your system contain any conflicting information with my explicit statement, I respectfully insist on the swift rectification of such discrepancies without any delay. 
Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX I am writing to formally request that you take immediate action to remove an address from my credit file, which is no longer my current residence, and can not be delivered by the United States Postal Service. As an individual who is concerned about identity fraud and privacy, I urge you to consider the potential risks associated with leaving this incorrect address on my file. I wish to clarify that I have never resided at this address and the inclusion of this inaccurate and/or incomplete personal information is a significant concern to me. Therefore, I kindly request that you promptly delete this incorrect address from my credit file, and ensure that my personal information is accurate and up-to-date. I trust that you will take appropriate measures to resolve this issue. 
Incorrect DOB : - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 
I am writing to formally request the removal of my birthday from my credit file, as it has been brought to my attention that there may have been an error on your end resulting in the incorrect merging or mixing of someone else 's information with my file. It would be greatly appreciated if you could kindly rectify this issue and ensure that my credit file only contains accurate and relevant information pertaining to myself. 
Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 
We kindly request that you ensure the accuracy and currency of your company 's records. Should any addresses within your system differ from the address provided in this letter, we would greatly appreciate their immediate removal. This action will enable you to maintain an up-to-date database containing accurate information pertaining to my current residence. Please note that my sole address is as follows : XXXX XXXX XXXX XXXX, f ', XXXX. 
XXXXXXXX XXXX  - XXXX Let me be perfectly clear : l, XXXX XXXX, NEVER authorized XXXX, XXXX, or TransUnion to report, share, or distribute ANY information regarding my consumer report. I did not provide verbal consent, written consent, or any form of authorization. This is a direct violation of 15 U.S.C. S 1681b, which explicitly prohibits the furnishing of a consumer report without written instructions from the consumer. 15 U.S.C. S 1681 b ( a ) : A consumer reporting agency may furnish a consumer report ONLY under the following circumstances : ( 2 ) With the written instructions of the consumer to whom it relates. Since no such written instructions exist, your actions are illegal and constitute a breach of federal law. - I demand the immediate investigation, correction, and deletion of all inaccurate personal data as required under 15 U.S.C. S 1681 i ( a ). 
XXXX XXXX  - XXXX, I must express my deep disappointment with the data presented above, as it has not undergone the necessary certification to comply with established reporting standards. It is crucial to underscore that this information may be lacking in completeness, relevance, or proper validation. Consequently, I earnestly request the removal of any inaccuracies or unsupported content from this page, as such omissions detract from the reliability and credibility of the provided data. 
Please make sure that your reporting is accurate and unbiased. If you can not confirm its accuracy and fairness, please remove it immediately and permanently. Additionally, please be aware of the potential shortcomings in your reporting as you investigate the legitimacy of any harmful accusations made against me. By doing so, you can ensure that your final decision aligns with federally mandated fair reporting practices. 
There is currently information being reported about me that is derogatory, but I have not received any official notification from any data reporting furnisher or creditor regarding the validity of the information. This includes notifications such as a 5-day reinsertion notice, in case a previously removed ailment is reinserted, or an initial validation of any debts or delinquencies that I am accused of.

I am aware of federal reporting requirements and the mandates within the Metro 2 Format standards, which state that if a data reporter fails to respond to a consumer complaint within 30 days ( or 45 days in some cases ) without notification of an extended 15-day investigation period and return of findings, any questionable information reported must be immediately and permanently removed. Additionally, a statement must be provided to represent that the consumer has challenged the adequacy and accuracy of the claims made by the reporter, both in the past and currently. 
As a consumer, I have the right to file a civil lawsuit in the nearest court favorable to me as an injured victim of inappropriate reporting or reporting practices. I understand that I may be entitled to receive monetary compensation of up to {$1000.00} or more if I were to file a federal suit. Please note that I am not hesitant to pursue legal action if I have been injured as a result of inappropriate reporting. 
Sincerely, 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