Consumer complaint received 2024-02-16 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: AL

Complaint narrative:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX  - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX  I don't recall having late payments on this account XXXX- Account Number : **** Please remove it from my credit report. 

XXXX XXXX - XXXX - Account Number:XXXX  My parent has the same name as me. 

XXXX XXXXXXXX XXXX  - Account Number:XXXX XXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXX XXXX XXXX  - Account Number:XXXX  My parent has the same name as me. 

XXXX - XXXX  - Account Number:XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXX XXXX XXXX - Account Number:XXXX Please supply information on how you have verified this item. 

XXXXXXXX XXXX XXXX  - Account Number:XXXX CXXXX XXXX XXXX  XXXX Account Number:XXXX Please supply information on how you have verified this item. 

XXXXXXXX XXXX XXXX  - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX - Account Number:XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXX XXXX XXXX - Account Number:XXXX This is not mine. 

XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX - Account Number:XXXX Please remove from my public record XXXX XXXX XXXX XXXX Account Number:XXXX  This is not mine. 

XXXX XXXX XXXX - Account Number:XXXX Please remove it from my credit report. 

XXXXXXXX XXXX XXXX - Account Number:XXXX XXXX XXXX XXXX XXXX Account Number:XXXX Please investigate the history reported on this account It is inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately

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