Consumer complaint received 2024-07-01 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: TX

Complaint narrative:
This clear oversight by these three credit reporting agencies indicates that no proper investigation was conducted since my information is still inaccurate as it was when I initially disputed my information as of XX/XX/XXXX. These three agencies did not comply with my request see below : XXXX I disputed personal information as of XX/XX/XXXX, specifically regarding variations of my name. Despite this, my file continues to display an inaccurate name " XXXX XXXX XXXX '' with XXXX along with multiple addresses, and my employment information. I only have one name and one address of six years. This clear oversight indicates that no proper investigation was conducted. Therefore, again I will not only attach my driver 's license, but will also attach my birth certificate with my name given at birth. I trust that you will address these issues promptly and rectify the inaccuracies in my credit report to prevent further harm. 

TransUnion I disputed personal information as of XX/XX/XXXX, specifically regarding personal information. Despite this, my file continues to display inaccurate personal information such as my employment and two additional addresses. I only have one name and one address of six years. This clear oversight indicates that no proper investigation was conducted. Therefore, again I will not only attach my driver 's license, but will also attach my birth certificate with my name given at birth. Although, the letter from TransUnion dated XX/XX/XXXX, states " Please note any changes we made to personal information ( name, address, employment, SSN, date of birth ) will appear at the end of Your Investigation Results. '' There is no update at the end of the report on page XXXX of XXXX. I trust that you will address these issues promptly and rectify the inaccuracies in my credit report to prevent further harm. 

XXXX I disputed personal information as of XX/XX/XXXX, specifically regarding a variations of my name. Despite this, my file continues to display inaccurate names, employment along with multiple addresses. I only have one name and one address of six years. This is clear oversight indicates that no proper investigation was conducted. Therefore, again I will not only attach my driver 's license, but will also attach my birth certificate with my name given at birth. I trust that you will address these issues promptly and rectify the inaccuracies in my credit report to prevent further harm. 

As a diligent consumer who values the accuracy and integrity of my personal credit report, I am writing to express my grave concerns regarding the erroneous information currently reflected in my report. Despite my previous dispute last month regarding specific items, I have found that my credit report continues to contain inaccurate and devastating information. This not only violates the Fair Credit Reporting Act ( FCRA ) but also undermines consumer rights. 
Upon reviewing my credit report, I have identified the following discrepancies : My personal information : name, address, employment with the most egregious and damaging consisting of defamation, negligent enablement of identity fraud, and violation of the FCRA as indicated below : XXXX XXXX Account : - TransUnion : Shows a past due amount of {$2200.00} with an original charge-off of {$1200.00}, as detailed on page XXXX of XXXX. 
XXXX : Displays a past due amount of {$2200.00} and lists a new status of a collection account for {$2100.00}, reported on XX/XX/XXXX. Importantly, this amount was never present on any of my credit reports prior to XX/XX/XXXX. 
XXXX XXXX  Reflects an unpaid balance of {$2200.00} with remarks indicating the unpaid balance was reported as a loss by the credit grantor. These inconsistencies are not only alarming, but also unjustly damaging to my creditworthiness. The conflicting data from the three major credit reporting agenciesTransUnion, XXXX, and XXXX highlight the lack of accuracy and reliability in my report. 
Furthermore, the discrepancies directly contravene the stipulations of the FCRA, which mandates that credit reporting agencies maintain accurate and complete information. Given these violations, I am requesting an immediate removal of this entity - XXXX XXXX XXXX from all three credit reports with TransUnion, XXXX and XXXX. I expect the following actions to be taken : 1. Immediate Correction : Rectify the discrepancies and ensure that all information is consistent and accurate across all credit reporting platforms.

2. Notification of Changes : Inform me of any updates made to my credit report. Should these inaccuracies persist, I will have no choice but to pursue all legal remedies available to me, including seeking statutory damages of {$1000.00} per violation as prescribed by the FCRA. I trust that TransUnion, XXXX and XXXX all value the importance of maintaining accurate consumer information and will address this matter with the urgency and thoroughness it demands within 15 days. I look forward to your prompt response and resolution. You may email the updated information to me as XXXX did to : XXXX Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas  XXXX Phone # : ( 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