Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Via Certified Mail XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX Re : Formal Complaint, Cease and Desist Notice, and Demand for Compensation for Violations of the FCRA and FDCPA To Whom It May Concern, I am formally submitting this complaint regarding the repeated mishandling, negligent reporting, and willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX and TransUnion concerning the XXXX XXXX tradeline on my credit file. Despite my explicit demands for verified documentation to substantiate this tradeline, XXXX and TransUnion have failed to fulfill their obligations under federal law. Instead, both agencies have engaged in unauthorized disputes, altered remark codes without consent, and resubmitted inaccurate and fraudulent information to my credit report without proper notice. 

Violations and Evidence of Mishandling 1. Failure to Provide Verification Documentation ( 611 ( a ) ( 1 ) ( A ) of the FCRA ) : Over two months ago, I explicitly requested XXXX and TransUnion to verify the accuracy of the XXXX XXXX account and provide supporting documentation. To date, neither agency has complied with this legal requirement. Instead, XXXX and TransUnion have marked the tradeline as verified without conducting a reasonable investigation or obtaining documentation from the data furnisher as mandated by the FCRA. 
XXXX. Unauthorized Disputes and Alterations : Despite my clear instructions not to dispute the XXXX XXXX XXXX, XXXX and TransUnion have altered remark codes and status updates on my file without my consent. These unauthorized changes have caused undue harm and demonstrate a failure to ensure the accuracy and stability of my credit report, as required under 607 ( b ) of the FCRA. 
For example, remark codes such as consumer disputes were repeatedly added and removed without justification. These changes disrupted the integrity of my credit file and caused significant harm, including emotional distress and financial instability. 
XXXX. Resubmission of a Fraudulent Collection Account in Violation of the FCRA and FDCPA : I was forced to seek legal counsel and contact XXXX XXXX directly to investigate this account. I subsequently learned that : The alleged account is no longer handled by XXXX XXXX and has been transferred to XXXX XXXX XXXX. 
XXXX XXXX XXXX disclosed that : I was never notifiedby phone or mailof this collection account, a clear violation of FDCPA requirements ( 809 ). 
The collection account is in a closed status and is not actively being pursued. 
This exact account was previously removed from my credit file earlier this year due to verified fraud. XXXX and XXXX decision to resubmit this account without proper notice, authorization, or documentation constitutes a blatant violation of the FCRA and FDCPA. 
XXXX. Failure to Remove Fraudulent Addresses ( XXXX of the FCRA ) : The fraudulent addressesXXXX  and XXXX XXXX Ivesassociated with this XXXX XXXX account were reported to XXXX and TransUnion as part of my initial FTC fraud alert filed in XXXX. Despite my repeated requests, these addresses remain on my credit file, further compromising its accuracy and violating my rights under 605B of the FCRA. 

Summary of Violations XXXX and XXXX actions constitute repeated violations of : FCRA 611 ( a ) : Failure to conduct a proper investigation and provide verified documentation.

FCRA 605B : Failure to remove fraudulent addresses and accounts after notice of fraud.

FCRA 607 ( b ) : Failure to maintain the accuracy and completeness of credit reports.

FDCPA 809 : Failure to provide legal notification regarding a collection account.

FCRA 616 and 617 : Willful and negligent noncompliance, resulting in substantial harm.

Formal Demands 1. Cease and Desist : XXXX and TransUnion must immediately cease and desist from altering, resubmitting, or mishandling the XXXX XXXX tradeline or any associated remark codes without verified documentation or my explicit authorization. 
XXXX. Provide Verification Documentation : I demand XXXX and TransUnion provide me with verified documentation substantiating the accuracy of the XXXX XXXX XXXX. If no such documentation can be provided, this account must be permanently deleted from my credit reports. 
XXXX. Remove Fraudulent Addresses : XXXX and TransUnion must delete the fraudulent addresses ( XXXX and XXXX XXXX XXXX ) and any accounts linked to these addresses as previously reported in my FTC fraud alert. 
XXXX. Compensation for Damages : Due to XXXX and TransUnions willful and repeated violations of the FCRA and FDCPA, I demand fair compensation for the financial harm, emotional distress, and reputational damage caused by their negligent and unlawful actions. 

Next Steps This letter serves as formal notice of my intent to escalate this matter further. If XXXX and TransUnion fail to comply with my demands within 30 days of receiving this letter, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 
Pursue legal action to hold XXXX and TransUnion accountable for their violations and the harm caused to me. 

I expect a detailed, written response outlining the corrective actions XXXX and TransUnion will take to address this matter. 

Sincerely, [ XXXX XXXX XXXX ] [ Attachment : Supporting documentation, if applicable ]

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