Consumer complaint received 2025-01-20 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: IL

Complaint narrative:
Experian po box XXXX XXXX, TX. XXXX Subject : Request for Deletion of Open Auto Loan Based on the Gramm-Leach-Bliley Act To Whom It May Concern, I am writing to formally dispute the reporting of an open auto loan account appearing on my credit report. The account in question is as follows : Account Name : Account Number : XXXX Reported Date : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) and its provisions governing the protection of consumer privacy and financial information, I request that you investigate the inclusion of this account on my credit report. Specifically : 1. Privacy of XXXX XXXX : The XXXX restricts the sharing of non-public personal information with unauthorized parties. If this account was included in error or reported without proper authorization, it may violate the privacy rights protected under the Act.

2. Accuracy Requirement : The Fair Credit Reporting Act ( FCRA ) also mandates that all information included in a credit report must be accurate, complete, and verifiable. If this auto loan can not be verified or was improperly shared, it must be removed immediately. 

I respectfully request the following : 1. Verification of the accounts accuracy and compliance with the GLBA and FCRA. 
XXXX. Deletion of the account if it is found to be inaccurate, unverifiable, or improperly shared. 

Attached, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID for identity verification. 
A copy of a recent utility bill as proof of address. 
A copy of my credit report highlighting the account in question. 

Please provide me with a detailed response regarding your findings within 30 days, as required by law. Should the account be removed, I request written confirmation for my records. 

Thank you for your immediate attention to this matter. I look forward to your timely response. 

Sincerely, TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PAXXXX XXXX Subject : Request for Deletion of Open Auto Loan Based on the Gramm-Leach-Bliley Act To Whom It May Concern, I am writing to formally dispute the reporting of an open auto loan account appearing on my credit report. The account in question is as follows : Account Name : XXXX CREDIT Account Number : Reported Date : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) and its provisions governing the protection of consumer privacy and financial information, I request that you investigate the inclusion of this account on my credit report. Specifically : 1. Privacy of Consumer Information : The XXXX restricts the sharing of non-public personal information with unauthorized parties. If this account was included in error or reported without proper authorization, it may violate the privacy rights protected under the Act. 
XXXX. Accuracy Requirement : The Fair Credit Reporting Act ( FCRA ) also mandates that all information included in a credit report must be accurate, complete, and verifiable. If this auto loan can not be verified or was improperly shared, it must be removed immediately. 

I respectfully request the following : 1. Verification of the accounts accuracy and compliance with the GLBA and FCRA.

2. Deletion of the account if it is found to be inaccurate, unverifiable, or improperly shared. 

Attached, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID for identity verification. 
A copy of a recent utility bill as proof of address. 
A copy of my credit report highlighting the account in question. 

Please provide me with a detailed response regarding your findings within 30 days, as required by law. Should the account be removed, I request written confirmation for my records. 

Thank you for your immediate attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Deletion of Open Auto Loan Based on the Gramm-Leach-Bliley Act To Whom It XXXX Concern, I am writing to formally dispute the reporting of an open auto loan account appearing on my credit report. The account in question is as follows : Account Name XXXX CREDIT Account Number : Reported Date : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) and its provisions governing the protection of consumer privacy and financial information, I request that you investigate the inclusion of this account on my credit report. Specifically : 1. Privacy of Consumer Information : The XXXX restricts the sharing of non-public personal information with unauthorized parties. If this account was included in error or reported without proper authorization, it may violate the privacy rights protected under the Act.

2. Accuracy Requirement : The Fair Credit Reporting Act ( FCRA ) also mandates that all information included in a credit report must be accurate, complete, and verifiable. If this auto loan can not be verified or was improperly shared, it must be removed immediately. 

I respectfully request the following : 1. Verification of the accounts accuracy and compliance with the XXXX and FCRA. 
XXXX. Deletion of the account if it is found to be inaccurate, unverifiable, or improperly shared. 

Attached, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID for identity verification. 
A copy of a recent utility bill as proof of address. 
A copy of my credit report highlighting the account in question. 

Please provide me with a detailed response regarding your findings within 30 days, as required by law. Should the account be removed, I request written confirmation for my records. 

Thank you for your immediate attention to this matter. I look forward to your timely response. 

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