Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX SPLASH PL XXXX TN XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XXXX Subject : Urgent Credit Report Dispute Request for Immediate Removal To Whom It May Concern, I am formally disputing inaccurate and unverifiable information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Based on the recent lawsuit and settlement involving XXXX and XXXX, it is clear that these credit bureaus have a legal obligation to ensure complete accuracy in consumer reporting. 

The following account ( s ) are erroneous, outdated, and unverifiable and should be removed immediately under FCRA 611 ( 15 U.S.C. 1681i ) : Account Review Inquiries The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ). 

Name Requested On TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX Location XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX TUNA XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX XXXX XXXX TRANSUNION INTERACTIVE XX/XX/XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Phone Phone number not available XXXX  via XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX, XX/XX/XXXX Legal Basis for Dispute and Removal : Failure to Maintain Accurate Information ( FCRA 1681e ( b ) ) Credit bureaus are required to follow reasonable procedures to ensure accuracy. If any item can not be verified within the legally mandated period, it must be deleted.

Failure to Conduct Proper Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) ) Credit reporting agencies have XXXX ( XXXX ) business days to correct or remove information once determined to be inaccurate or unverifiable. 
Recent Lawsuit Precedent The settlement involving XXXX and XXXX establishes heightened accountability in credit reporting, further necessitating compliance. 
Reinsertion Prohibition ( FCRA 1681i ( a ) ( 5 ) ( B ) ) If removed, the disputed information can not be reinserted without proper notification. 
Given the clear violations of my rights under the FCRA, I demand that the disputed accounts be permanently removed from my credit report within XXXX ( XXXX ) business days, as required by law. 

Please provide written confirmation of the deletions and an updated copy of my credit report upon completion of this dispute. Should these errors remain, I am prepared to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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 explanation