Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated The United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681 to civil liability for negligent noncompliance and 15 U.S. Code 1629k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and invalidated information from my consumer file. I intend to pursue ligation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if t
he INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint toi the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

YOU ARE IN DIRECT VIOLATION OF FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

It's very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.

1. The Fair Credit Reporting Act is primary federal law that governs the collection and reporting of the credit information about consumers. Its rules over how a consumers credit information is obtained, how long it is kept, and how it is shared with others- including consumers themselves.

2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies missing up one persons information with anothers because similar ( or same ) last name or social security number. Agencies fail to follow guidelines handling disputes.

3. My rights under the fair credit reporting act. Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions.

Dispute- and have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy. ) I demand these items be deleted immediately. I enter the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and invalidated. I recently applied for extend credit and was denied I am distress because of your mistakes. 



The law is very clear as to the Civil liability and the remedy available to me ( Section616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under the FCRA.

1. each bureau reports a different date of last activity XXXX XXXX XXXX Account Number : PLEASE DELETE OFF MY REPORT 2. 15 USC 1681 ( a ) you are in violation of my right to privacy and information you want to be private that's posted on your consumer report is a violation. Infringed upon my right of privacy XXXX XXXX XXXX Account Number : PLEASE DELETE OFF MY REPORT XXXX. The wrong amount is being reported XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT 4. 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT 5. Per Code US Code 1681 e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT 6. The inquiry was not authorized Account Number : PLEASE DELETE OFF MY REPORT 7. The inquiry was not authorized Account Number : PLEASE DELETE OFF MY REPORT 8. The following personal information is incorrect Account Number : XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE OFF MY REPORT XXXX. The following account is not mine XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT XXXX. The following account is not mine XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT XXXX. The following personal information is incorrect XXXX XXXX XXXX XXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT XXXX. The following account is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX PLEASE DELETE OFF MY REPORT Please Remove from my credit report. VIOLATION OF 15U.S CODE 1681n Civil Liability for willful non compliance ( a ) In general ANY person who willfully fails to comply with any requirement imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency or {$1000.00} which ever is greater. 

Please remove all non-account holding inquiries. Please NOTE that you have 30 DAYS to complete this investigation, as per Fair Crediting Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine accuracy and completeness of the information of this information I hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of verification. I do not consent to eOscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1 ) defamation 2 ) Negligent enablement of Identity fraud 3 ) violations of the fair Credit Reporting Act 4 ) financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

I am also including a copy of my complaint to the Organizations Below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller of Currency CC : XXXX XXXX XXXXXXXX XXXX : XXXX and XXXX XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX Division of Consumer Complaints

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