Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX Transunion Subject : Notice of Inaccurate Reporting and Request for Removal of Unverifiable Accounts Dear [ XXXXTransUnion ] XXXX I am writing to inform you of the results from my recent dispute with XXXX regarding XXXX charge-off accounts that were previously reported on my credit report. Following my dispute, XXXX conducted a thorough investigation, which concluded as follows : XXXX XXXX XXXX XXXX XXXX {$21000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
XXXX XXXX XXXX {$2000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
Given that XXXX determined these accounts to be unverifiable and subsequently removed them from my credit report, I am requesting that you review your records and remove them from my credit report as well. Their continued presence on my credit report may violate the Fair Credit Reporting Act ( FCRA ).

Consumer Rights and Legal Obligations Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report and must remove or correct any unverifiable information. The deletion of these accounts by XXXX indicates that they were found unverifiable. As a result, your agency is obligated to remove these accounts to comply with the FCRA. 

Action Required I am requesting that you perform a review of these accounts and remove them from my credit report if they can not be verified. Failure to comply with this request may constitute a violation of the FCRA and could subject your agency to potential legal consequences as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual or statutory damages and attorneys fees for willful or negligent violations.

Timeline for Compliance In accordance with 15 U.S.C. 1681
i ( a ) ( 5 ), please ensure that these unverifiable accounts are removed from my credit report within 30 days from the date of this letter.

Request for Confirmation I request that you provide written confirmation by [ insert a date 30 days from the date of this letter ] that these accounts have been reviewed and removed from my credit report. If you do not remove them, please provide a detailed explanation of why they remain on my report.

Attachments Copy of XXXX written confirmation of account deletions. 
Any relevant supporting documentation related to this dispute. 
Thank you for your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures : Copy of XXXX deletion confirmation Relevant documentation

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