Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Request to Rectify Inaccuracies in Credit Report Dear TransUnion, I am writing to address significant inaccuracies that have been reported in my credit file by your organization, which have recently led to the denial of credit. The presence of these inaccuracies is evident, and I am outlining the specific accounts in question below : Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

Account : XXXX XXXX  Account Number : XXXX Violation : Reported without valid evidence under 15 U.S.C. 1681i ( 7 ) Method of verification. 

It is crucial to emphasize that I did not provide written authorization or instructions for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and expunged. I want to assure you that this request is made in complete accordance with relevant laws and is not based on any misrepresentation of facts. 

Your organization 's actions seem to be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which explicitly states that a consumer report should not contain information solely based on transactions or experiences between the consumer and the reporting entity.

I urge you to promptly update my utilization to 5 % or below within 10 calendar days or remove all utilization from the aforementioned accounts. Furthermore, I demand access to all documents upon which you are relying for reporting accounts ( 1 ) and ( 2 ) as referenced earlier. This demand is in accordance with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), which grants consumers the right to access such records. The information being reported is not only detrimental to my reputation but is also adversely affecting my creditworthiness.

Therefore, I hereby request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Additionally, alongside the removal of erroneous and unverified information, I kindly request the elimination of all non-account holding inquiries that are older than 30 days. As defined by XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, " verification '' is the confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. The purpose of verification is to ensure the good faith of a party 's averments or statements. 

Failure to provide a satisfactory response with the deletion of the aforementioned utilization and inquiries will result in legal action against your company. For each violation, I will seek {$1000.00} in damages for defamation of character, civil liability, and violations of the Fair Credit Reporting Act 15 U.S.C 1681. 

Sincerely, 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