Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against Transunion regarding the ongoing and unresolved issues related to inaccurate information on my credit report. Transunion has consistently failed to perform a thorough and independent investigation of the disputed items, instead relying on unverifiable sources. This negligence has led to repeated credit denials, which continue to harm my financial life and stability. 

Despite numerous requests, Transunion has not provided the documentation or clear methods of investigation that I have requested, as required under the Fair Credit Reporting Act ( FCRA ). Transunions reliance on secondary sources rather than conducting a comprehensive investigation into these inaccuracies is in direct violation of my rights as a consumer. 


This is the final notice before litigation that I mailed and faxed to Transunion : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/2024 Subject : Final Notice and Invoice for Inaccurate Information on My Credit Report Dear Transunion XXXX XXXX XXXX XXXX This letter serves as my formal, final notice regarding inaccurate information that is still being furnished on my credit report by XXXX. I am deeply concerned by the ongoing presence of these erroneous items, which continue to adversely affect my financial stability, including multiple credit denials that have directly resulted from XXXX failure to rectify these inaccuracies. I am in the process of trying to purchase a home and have previously disputed these items and, despite partial removal, certain inaccuracies remain. This is the third time I have contacted your company, and you have still failed to delete the disputed accounts your company could not verify. Be advised that I intend to pursue litigation for the damages your company has brought to me and my family if the items arent deleted, and the invoice isnt paid. 
Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been months, so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources.Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts, but you ignored this request as well which is another violation of Federal Law! 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. Please note that I have exercised my right to opt out of having my information shared. The continued furnishing of inaccurate information without my permission constitutes a serious violation, as these entries are inaccurate, unverifiable, and harmful. These items are not reporting on any of my other credit reports either. I am now requesting immediate removal of the following accounts and inquiries from my report : XXXX. DEPT OF EDXXXX {$5800.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
XXXX. DEPT OF EDXXXX {$4700.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
XXXX. DEPT OF EDXXXX {$4600.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
4. DEPT OF EDXXXX {$3600.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
5. DEPT OF EDXXXX {$2300.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
6. DEPT OF EDXXXX XXXX this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
7. DEPT OF ED/AXXXX {$1000.00} this is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 
8. DEPT OF ED/XXXX $ XXXX is a violation under 20 U.S. Code 1232g ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

9. DEPT OF ED/XXXX  {$2200.00} this is a violation under 20 U.S. Code XXXX ( b ) - Family educational and privacy rights The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate AS IT DOES NOT APPEAR AND HAS BEEN DELETED FROM MY OTHER CREDIT REPORTS. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. XXXX XXXXXXXX XXXX - ACCT # XXXX. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 
XXXX. XXXX XXXX Acct # XXXX Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate AS IT DOES NOT APPEAR AND HAS BEEN DELETED FROM MY OTHER CREDIT REPORTS. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I demand the following actions : XXXX. XXXX removal of all listed accounts and inquiries from my credit report, as they are inaccurate and unauthorized. 
XXXX. Payment of {$1000.00} per item that has been continuously furnished despite prior disputes. This total of {$12000.00} represents compensation for damages due to Transunions failure to address these inaccuracies, which has significantly affected my financial stability. If Transunion does not take corrective action immediately, I will have no alternative but to pursue all available legal remedies, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering further litigation. This is my final notice before escalation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. Please send confirmation of the removal of all disputed items along with the payment due within 15 days of receipt of this letter. Failure to respond adequately will result in further action. 
Sincerely, XXXX XXXX XXXX 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