Consumer complaint received 2025-02-13 00:00:00
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.
State: MD

Complaint narrative:
TransUnion
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
To whom it may concern,
I will be closely monitoring the situation and expect to hear from you within 30 days. I demand that you confirm
and verify that the items in question are reporting correctly or remove them permanently from my report.
Additionally, I request that you send me a hard copy of the actions you take and my updated credit report via
mail.
It appears that the allegations in my credit report are inaccurate, and I urge you to provide accurate and
verified information for each claim. Failure to do so may result in legal action being taken against you.
Listed below are the Accounts that are being challenged
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,
Under XXXX USC XXXX, this late payment entry is a violation. I have been incorrectly billed. - Please update the
status of this account to "paid on time."
XXXX XXXX XXXX
I demand that this deficient information be deleted immediately! This information was never verified to be
accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards.
I am writing to express my profound disappointment as a consumer, as I have meticulously documented my
concerns regarding your reporting practices in the enclosed document. Regrettably, it is evident that the
document in question is incomplete and fails to meet the required standards. I must emphasize that, as per
legal obligations, your organization is mandated to comply with both the Fair Credit Reporting Acts (FCRAs)
and Metro 2 guidelines, ensuring that truthful and accurate information is provided in a timely manner. It is
imperative that these obligations are met, as any failure to do so would constitute a violation of my rights. I
trust that immediate and comprehensive action will be taken to rectify this matter and restore my confidence in
your organization's adherence to the prescribed regulations.
Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in
response to disputes and challenges from consumers, regardless of the information they have provided. This
act is in violation of XXXX U.S. CXXXX XXXX XXXX, which mandates that every dispute and challenge should be dealt
with independently and based on its own merits. The letters I sent were generated using software that is
available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an
1 of 2
intentional disregard of my rights, and I will seek legal action by contacting my lawyer.
Sincerely,
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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