Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Demand for Deletion of Inaccurate Information in My Consumer Report To Whom It May Concern : I am writing to formally demand the deletion of inaccurate information being reported on my consumer file maintained by TransUnion. Specifically, I have identified erroneous information being reported by XXXX XXXX XXXX that violates several provisions of the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting includes mismatched names, unknown addresses, phone numbers, and incorrect employment information. 

Under 15 U.S. Code 1681s2, Responsibilities of furnishers of information to consumer reporting agencies, XXXX XXXX XXXX is prohibited from reporting any information to a consumer reporting agency if they have actual knowledge or reasonable cause to believe that the information is inaccurate. Additionally, under section ( a ) ( 1 ) ( B ), if the consumer has notified XXXX XXXX XXXX of inaccuracies, they must correct or delete the erroneous information. 

I have already informed XXXX XXXX XXXXXXXX of these discrepancies and have provided them with the necessary evidence to demonstrate the errors. However, they continue to report inaccurate information, in violation of their duties under the FCRA. 
Furthermore, TransUnion is obligated under 15 U.S. Code 1681e, Compliance Procedures, to maintain accurate and up-to-date information in consumer reports. By continuing to report this erroneous information from XXXX XXXX  XXXX, you are in violation of this provision as well. 

The specific inaccuracies on my consumer file include : Incorrect Names Incorrect address information Mismatched phone numbers Inaccurate employment details as reported by XXXX XXXX XXXX TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of consumer information. By failing to delete the inaccurate information provided by XXXX XXXX XXXX, TransUnion is in violation of its legal obligations under the FCRA. 

As you are aware, continued reporting of inaccurate information is damaging to my credit, and as such, I demand that you immediately investigate this matter and delete the incorrect information from my file. I also request that you provide written confirmation that these inaccuracies have been removed, as well as a copy of the corrected consumer report. 

Please treat this as a formal notice under the FCRA and immediately correct the errors. XXXX XXXX XXXX is a repeat offender/ a fraudster bank, evidence is enclosed of how this fradulent bank operates on a dayly basis If you fail to resolve this issue, I will be forced to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking legal remedies available under the law in the amount of XXXX to make me whole. Have your Transunion Attorney and only your Transunion Attorney contact me @ XXXX XXXX asap to discuss your payment to me for all these FCRA violations as well as the damage you transunions have caused me. I have enclosed of my credit card company annual fee that shows {$170.00} This is because of you transunion reporting false/fraud information on, my file this is outrages. Im paying 35.90 % in interest on purchases this is because you transunion continue to report the XXXX XXXX XXXX  Fraud infor mation on my file. 

I look forward to your prompt action on this matter. 

Sincerely,

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