Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
FINAL NOTICE ILLEGAL CREDIT REPORTING, FCRA/FDCPA VIOLATIONS IMMEDIATE DELETION & COMPENSATION DEMAND XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX Via Certified Mail & Electronic Submission To : Experian Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Final Demand for Deletion & Immediate Compensation for Multiple FCRA/FDCPA Violations Account Number : XXXX To Whom It May Concern, This letter serves as FINAL NOTICE before I pursue legal action and formal regulatory complaints against Experian, TransUnion, and XXXX XXXX XXXXXXXX XXXX for multiple violations of federal law regarding the illegal, misleading, and fraudulent credit reporting of a duplicate charge-off on my credit reports. 

Since XXXX XXXX Line of Credit was previously deleted, it is clear that the charge-off reported by XXXX XXXXXXXX XXXX XXXX is fraudulent , inaccurate, and must be removed immediately. 

XXXX has already deleted this account from my credit report due to the unfair and deceptive credit reporting practices of XXXX XXXX XXXX Co. This further proves that Experian and TransUnions continued reporting of this invalid charge-off is a willful violation of federal law and demonstrates gross negligence in ensuring the accuracy of consumer credit reports. 

Your failure to investigate, refusal to correct the issue, and continued willful violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have caused significant financial harm and emotional distress. Therefore, I am demanding : 1. Immediate deletion of this account from my credit reports. 
2. Financial compensation of {$5000.00} for the legal violations committed against me. 

Legal Violations & Compensation Demand 1. Violation of FCRA 15 U.S.C. 1681s-2 ( b ) ( Furnishing Inaccurate & Duplicate Information ) You are illegally reporting duplicate information, which is strictly prohibited under federal law. 
Since XXXX has already deleted this account, Experian and TransUnion are knowingly violating the FCRA by continuing to report this charge-off. 
Statutory damages : {$1000.00} per violation. 

2. Violation of FCRA 15 U.S.C. 1681i ( a ) ( Failure to Investigate Dispute Properly ) You have failed to properly investigate and correct my dispute within the legally required timeframe. 
XXXX deletion proves that this charge-off was fraudulent, yet Experian and TransUnion continue to ignore this fact. 
Statutory damages : {$1000.00} per violation. 

3. Violation of FCRA 15 U.S.C. 1681e ( b ) ( Failure to Ensure Accuracy in Reporting ) Credit bureaus must ensure maximum possible accuracy of reported information. 
If XXXX determined that this account was unfair and removed it, then Experian and TransUnion have no legal justification for continuing to report it. 
Statutory damages : {$1000.00} per violation. 

4. Violation of FDCPA 15 U.S.C. 1692e ( Deceptive & Misleading Reporting ) Reporting the same debt twice under different names is a deceptive practice and violates federal law. 
You can not legally claim this debt while refusing to verify it. 
Statutory damages : {$1000.00} per violation. 

5. Willful Noncompliance Failure to Cease & Desist Reporting After Being Notified I have submitted multiple disputes, yet you continue to report false, misleading, and fraudulent informationa willful violation of my consumer rights. 
Statutory damages : {$1000.00} per violation. 

Total Violations & Compensation Demand Based on five separate legal violations, you owe me a total of : {$5000.00} ( {$1000.00} per violation x 5 violations ). 

I demand immediate payment of {$5000.00} via check within 10 days, as permitted under 15 U.S.C. 1681n for willful noncompliance. 

Final Demands Immediate Action Required Within 10 Days 1. Experian and TransUnion must delete the XXXX XXXX XXXXXXXX XXXX charge-off immediately. 
2. XXXX XXXX XXXXXXXX XXXX must permanently cease all credit reporting related to this fraudulent account. 
3. A payment of {$5000.00} must be issued to compensate for the FCRA and FDCPA violations committed against me. 
4. Failure to comply will result in immediate legal action, including lawsuits for : FCRA violations ( {$1000.00} per violation ). 
FDCPA violations ( {$1000.00} per violation ). 
Additional damages for financial and emotional distress. 

Final Warning Legal Action Will Be Taken If I do not receive written confirmation that : This fraudulent account has been permanently deleted. 
Payment of {$5000.00} has been issued to me. 

within 10 days, I will escalate this matter by : Filing a federal lawsuit against all responsible parties for FCRA and FDCPA violations. 
Submitting complaints to the FTC, CFPB, and my State Attorney General, demanding enforcement action. 
Pursuing maximum statutory damages in court for willful noncompliance and harm to my creditworthiness. 

This is your final opportunity to resolve this matter before further legal action is taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

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