Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
# COMPREHENSIVE FCRA AND XXXX VIOLATIONS DEMAND LETTER XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX **SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED TO : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Clarity Services XXXX XXXX XXXX 
A part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX **Re : DEMAND FOR IMMEDIATE CORRECTION OF MULTIPLE FCRA AND XXXX FORMAT VIOLATIONS** To Whom It XXXX Concern : This letter constitutes a formal demand for immediate correction of multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) and XXXX Format compliance standards evident in both my XXXX credit XXXX and my Clarity Services XXXX report. The violations documented below represent systematic and pervasive failures that have compromised my consumer rights and potentially caused substantial harm to my credit standing. I demand immediate corrective action as detailed herein. 

# # PART I : XXXX XXXX FORMAT COMPLIANCE VIOLATIONS Based on my XXXX disclosure report and dispute management interface, I have identified the following XXXX Format compliance violations : # # # XXXX. System Interface Compliance Issues The XXXX dispute processing system shows a " Loading '' status for active disputes without providing the required XXXX compliance status codes or timely updates, violating the CRRG requirements for timely dispute processing and status reporting. 

# # # XXXX. Consumer Statement Management Failures While your system allows consumer statements to be added during active disputes, there is no indication that these statements are being properly coded with the required XXXX compliance condition codes as mandated by the XXXX XXXX XXXX XXXX. 

# # # XXXX. XB Segment Implementation Failures Your system interface suggests improper handling of the XB Segment ( Consumer Dispute ) XXXX reporting requirements, which XXXX result in dispute information not being properly reported to data furnishers in the required XXXX Format. 

# # # XXXX. Date of Last Activity ( XXXX ) Calculation Errors Multiple accounts show inconsistent DLA patterns, violating XXXX XXXX XXXX XXXX requirements for proper DLA calculation. 

# # # XXXX. Field Definition Violations The inconsistent formatting across timestamps violates the fixed-field position requirements of the Base Segment specified in XXXX XXXX XXXX. 

# # PART XXXX : CLARITY SERVICES FCRA VIOLATIONS My Clarity Disclosure Report reveals even more severe violations, including : # # # XXXX. Extensive Future-Dated Information ( FCRA XXXX Violations ) My report contains numerous IMPOSSIBLE future dates, including : - XX/XX/XXXX ( email address reporting ) - XX/XX/XXXX ( Months at Employer section ) - XX/XX/XXXX ( multiple instances across sections ) - XX/XX/XXXX ( phone information ) - XX/XX/XXXX ( home phone number ) - XX/XX/XXXX ( Date of Next Paycheck ) - XX/XX/XXXX ( future date at time of report generation ) # # # XXXX. Physically Impossible Data ( FCRA XXXX ( b ) Violations ) My report contains logically impossible information including : - " 1216 Months at Employer '' ( over 101 YEARS of employment ) - " Date of Next Paycheck '' shown as " XX/XX/XXXX '' with " Last Reported '' date in the future ( XX/XX/XXXX ) - Multiple conflicting employment timeframes that can not logically coexist # # # XXXX. Systemic Data Integrity Failures ( FCRA XXXX Violations ) The same tracking IDs appear across completely unrelated categories of information : - Tracking ID " XXXX '' appears in : * 13 Months address history ( XX/XX/XXXX ) * Home phone number reporting ( XX/XX/XXXX ) * 61 Months at Employer section ( XX/XX/XXXX ) * Date of Next Paycheck ( XX/XX/XXXX ) - Tracking ID " XXXX '' appears in : * Employer Name section ( XX/XX/XXXX ) * 60 Months at Employer section ( XX/XX/XXXX ) - Tracking ID " XXXX '' appears in : * Employer Name section ( XX/XX/XXXX ) * Date of Next Paycheck section ( XX/XX/XXXX ) - Tracking ID " XXXX '' appears in : * 36 Months at Employer ( XX/XX/XXXX ) * Date of Next Paycheck ( XX/XX/XXXX ) # # # XXXX. Permissible Purpose Violations ( FCRA XXXX ) My report shows widely varying " # of XXXX Reported '' figures ( ranging from XXXX to XXXX ) with no explanation for why certain data elements were accessed so frequently. This suggests potential unauthorized access without proper permissible purpose. 

# # # XXXX. Reseller Compliance Failures ( FCRA XXXX ( XXXX ) ) As indicated in the " RESELLER NOTICE '' section, Clarity is functioning as a reseller of information from XXXX. Clarity has FAILED to meet the strict reseller requirements under the FCRA, including maintaining accuracy of resold information and implementing adequate systems to prevent data contamination. 

# # LEGAL BASIS FOR CLAIMS The violations documented above constitute willful noncompliance with multiple federal laws : XXXX. XXXX XXXX XXXX XXXX ( FCRA ) ** - XXXX : Requirements for Information Contained in Consumer Reports- XXXX ( b ) : Duty to Maintain Reasonable Procedures for Maximum Possible Accuracy - XXXX ( XXXX ) : Requirements for Resellers of Consumer Reports- XXXX : Procedure in Case of Disputed Accuracy - XXXX : Permissible Purposes of Consumer Reports XXXX. XXXX XXXX Liability Provisions** - XXXX ( XXXX XXXX. XXXX ) : Civil Liability for Willful Noncompliance - XXXX ( XXXX XXXX. XXXX ) : XXXX XXXX for XXXX XXXX XXXX. **Equal Credit Opportunity Act ( ECOA ) ** - Regulation B XXXX ( b ) : Data Collection Requirements- Regulation B XXXX : Notification Requirements XXXX. **Fair and Accurate Credit Transactions Act ( FACTA ) ** - Requirements for reasonable investigation of disputed information XXXX. XXXX XXXX Accountability Responsibility and Disclosure Act ( CARD Act ) ** - Requirements for accurate reporting of credit card account information # # DEMANDS FOR IMMEDIATE ACTION Based on these documented violations, I DEMAND that both XXXX and Clarity Services : XXXX. IMMEDIATELY delete ALL inaccurate information from my consumer files and cease reporting any information until proper validation controls are implemented XXXX. Provide written confirmation within XXXX CALENDAR DAYS that all inaccurate information has been deleted from my files XXXX. Issue notifications to ALL parties who have received my reports within the past 2 years, informing them that the information was inaccurate and has been deleted XXXX. Provide me with a complete list of ALL parties who have accessed my information, including dates, times, and stated purposes for access XXXX. Implement proper data validation controls before any future attempts to report information about me XXXX. XXXX : Implement proper XXXX Format compliance controls in your dispute processing system to ensure all required elements are properly handled XXXX. Clarity Services : Correct all future-dated information and logically impossible data points in your systems # # NOTICE OF INTENT TO PURSUE LEGAL ACTION BE ADVISED that the violations documented above constitute willful noncompliance with multiple federal laws. The systematic nature and severity of these violations demonstrate a reckless disregard for compliance obligations that entitles me to pursue : * Actual damages ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) * Statutory damages of up to {$1000.00} PER VIOLATION ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) * Punitive damages ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) * Costs and reasonable attorney 's fees ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) FAILURE TO COMPLY with all demands outlined above within XXXX calendar days will result in my immediate pursuit of all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau and appropriate State Attorneys General, as well as filing a federal lawsuit seeking maximum statutory and punitive damages. 

I expect your IMMEDIATE attention to this matter. Nothing in this letter should be construed as limiting or waiving any of my rights or remedies under the FCRA, XXXX, XXXX, CARD Act, or other applicable laws. 

Sincerely, XXXX XXXX **Enclosures : ** - XXXX dispute management interface screenshots- Complete copy of Clarity Disclosure Report with violations highlighted - Copies of all pages showing future dates and data integrity issues CC : Consumer Financial Protection Bureau Federal Trade Commission XXXX XXXX XXXX Comptroller of the Currency

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 explanation