Consumer complaint received 2024-11-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, PA XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : Formal Notice of Intent to Litigate - Violations of the FCRA and Consumer Protection Laws To Whom It May Concern : This correspondence serves as a formal demand to rectify TransUnion LLC 's gross violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other federal consumer protection laws. My client, XXXX XXXX XXXX XXXX : XX/XX/XXXX, SS # : XXXX ), has endured significant harm resulting from TransUnion 's failure to comply with legal obligations under federal statutes governing the accuracy and integrity of consumer credit reports. 
Violations of the Fair Credit Reporting Act ( FCRA ) XXXX. Failure to Block Fraudulent Accounts Pursuant to XXXX : My client submitted a lawful and substantiated request to block fraudulent accounts under XXXX. 
TransUnion neglected to fulfill its statutory obligation, leaving these erroneous and harmful accounts intact on my client 's credit report. 
XXXX. Failure to Respond to Disputes in a Timely Manner ( 1681i ) : Despite receiving a dispute from my client, TransUnion failed to respond within the statutorily mandated XXXX period ( or XXXX  days in cases of supplementary documentation ). This breach of statutory deadlines constitutes a flagrant disregard for consumer rights. 
XXXX. Failure to Remove Unauthorized Inquiries ( 1681b ) : Numerous unauthorized credit inquiries remain on my client 's credit report, despite repeated disputes. These inquiries, detailed below, were neither initiated nor authorized by my client. 
XXXX. Reinsertion of Previously Disputed Items Without Notice ( 1681i ( a ) ( XXXX ) ( B ) ) : Certain negative items previously removed from my client 's report have been reinserted without proper notification as required by law. 
XXXX. Reporting Inaccurate Information ( 1681e ( b ) ) : TransUnion failed to maintain reasonable procedures to ensure maximum possible accuracy in my client 's report. Re-aged accounts, erroneous balances, and inaccurate account statuses persist on the report. 
Detailed List of Discrepancies Incorrect Personal Information : - Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Unauthorized Inquiries to Be Removed : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX 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 ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXX/XX/XXXX ) XXXX. XXXX 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 ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Negative Accounts to Be Corrected or Removed : XXXX. XXXXXXXX XXXX XXXX  Account # : XXXX ) : - Incorrectly reported as overdue. 
- XXXX 15 USC 1666B, this is a billing error as the account was always paid as agreed. 
XXXXXXXX XXXX  XXXX XXXX ( Account # : XXXX ) : - Re-aged accounts. 
- Incorrect high balance reported. 
- Reinsertion of negative items without notice. 
XXXX. XXXXXXXX XXXX ( Account # : XXXX ) : - Re-aged accounts. 
- Reinsertion of negative items without proper notice. 
Legal Precedent Supporting Claims In XXXX XXXX TransUnion LLC, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court found TransUnion liable for willful violations of the FCRA. Substantial damages were awarded to the consumer, highlighting the risks of continued non-compliance. TransUnion 's actions ( or inactions ) in this case mirror the misconduct established in XXXX and expose the company to significant liability. 
Demands TransUnion is hereby required to : XXXX. Remove All Fraudulent and Negative Items : Eliminate all fraudulent accounts, unauthorized inquiries, and inaccurate information from my client 's credit report immediately. 
XXXX. Provide Confirmation of Correction : Submit written confirmation of the removal of disputed items and corrections within XXXX ( XXXX ) calendar days of receipt of this letter. 
XXXX. Adopt Procedural Safeguards : XXXX improved internal protocols to ensure compliance with FCRA provisions regarding dispute resolution, reinsertion notices, and accuracy in reporting. 
Notice of Intent to Litigate If TransUnion fails to meet these demands within the specified timeframe, my client will proceed with full litigation to seek statutory, actual, and punitive damages under the FCRA and other applicable laws. This includes compensation for financial and reputational harm, as well as recovery of attorney 's fees and court costs. 
This notice serves as a final opportunity to resolve the matter amicably. TransUnion 's failure to comply will compel my client to escalate the matter to the courts without further notice. 
Sincerely, XXXX XXXX, XXXX. 
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, PA XXXX Attachments : XXXX. Documentation Supporting Disputes

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