Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX * * Subject : Final Notice Before Legal Action Violation of the Fair Credit Reporting Act ( FCRA ) * * To Whom It May Concern : This letter serves as a * * formal demand and final notice * * before initiating legal action against your company for violations of the * * Fair Credit Reporting Act ( FCRA ) * *, codified at * * 15 U.S.C. 1681 et seq. * * -- - On or about * * [ XXXX ] * * I identified inaccurate information on my consumer credit report issued by your company. Specifically : - * * Creditor/Furnisher : * * [ e.g., XXXX XXXX ] - * * Account Number ( last 4 digits ) : * * XXXX - * * Nature of Violation : * * [ e.g., Inaccurate late payments reporting, obsolete negative data, failure to investigate dispute ] I submitted a formal dispute on * * [ XXXX of dispute ] * *, supported by documentation. Your company failed to conduct a lawful reinvestigation and continued to report inaccurate or unverifiable data in violation of * * FCRA 1681i ( a ) ( 1 ) ( A ) * * and * * 1681e ( b ) * *.

Additionally, I have clearly asked XXXX XXXX to remove all late payments or delete the account from all credit reporting companies. 

-- - Violations Your actions ( or inaction ) constitute one or more of the following legal violations : - * * FCRA 1681e ( b ) : * * Failure to ensure maximum possible accuracy of information - * * FCRA 1681i : * * Failure to properly investigate disputed information - * * FCRA 1681n : * * Willful noncompliance with FCRA ( entitling me to statutory and punitive damages ) - * * FCRA 1681o : * * Negligent noncompliance with FCRA -- - Demand You are hereby notified that if the above-referenced violation is not * * fully resolved within 15 days * * of receipt of this letter, I will pursue * * civil legal action * * in accordance with * * FCRA 1681n and/or 1681o * *. This may include a claim for : - * * Actual damages * * suffered as a result of your violation ( s )- * * Statutory damages * * ( {$1000.00} per violation ) - * * Punitive damages * * ( in cases of willful noncompliance ) - * * Attorneys fees and court costs * * I strongly urge you to review the account ( s ) in question, remove all late payments or delete the account, and send written confirmation of your resolution within the deadline stated above. 

-- - Conclusion This letter is written in good faith in the hope of resolving this matter * * without litigation * *. If you fail to act, I will not hesitate to assert my rights in court. 

CC : XXXX XXXX, XXXX. XXXX, SC CC : CFPB CC : 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