Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : IMMEDIATE REMOVAL OF DISPUTED ACCOUNTS AND INQUIRIES Claim # XXXX I am writing in response to the recent Transunion communication regarding my claim # XXXX filed via the CFPB portal on XX/XX/XXXX 2025. Transunion 's response fails to provide the necessary documentation and clear resolutions for several disputed accounts and inquiries on my credit report. These include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, and XXXX accounts and hard inquiries. Transunion has failed to provide proof of debt cancellation, including documentation such as 1099-C forms for the debts referenced. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) which mandates that all information reported on credit reports must be accurate and verifiable. Specifically, Section 1681i ( a ) requires Transunion to correct or delete inaccurate information within a reasonable time frame. Failure to provide such proof for accounts like XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and others listed above is non-compliant with these standards. Under IRC Section 6050P and FCRA Section 1681i, creditors are required to issue Form 1099-C when a debt of {$600.00} or more is forgiven. No 1099-C forms have been provided which is violating both FCRA and Metro 2 standards. I request clarification as to why XXXX XXXX XXXX XXXX XXXX hard inquiry has been deleted yet the associated account remains on my credit report as valid and current with a XXXX balance. This contradiction is a clear violation of FCRA Section 1681c and Metro 2, which mandates that accounts linked to invalid inquiries be marked as disputed and deleted. Several accounts including the ones listed above are marked as charged off/sold or paid in full. Under FCRA Section 1681c, these accounts should no longer appear on my credit report unless accompanied by the appropriate documentation such as 1099-C forms. The failure to provide this evidence is a direct violation of FCRA Section 1681i ( a ). XXXX is showing the associated account remains on my credit report as valid and current with a XXXX balance. This contradiction is a clear violation of FCRA Section 1681c and Metro 2 which mandates that it should be deleted immediately. I have submitted an Identity Theft Report to the Federal Trade Commission ( FTC ) and provided it to Transunion via the CFPB complaint portal. As these accounts are associated with potential identity theft, I request that all fraudulent accounts and inquiries be permanently deleted as required by FCRA Section 605A. Transunion failure to comply with FCRA and Metro 2 standards constitutes a violation of my rights under both laws. Specifically I am entitled to compensation for the following damages as outlined in 15 USC 1681n : Permissible Purpose Violation : {$1000.00}, Defamation of Character {$1000.00}, Damaged Reputation {$1000.00}, Damaged Credit Worthiness {$1000.00}, Damaged Mode of Living {$1000.00}, Infringement on Right to Privacy {$1000.00}. Additionally, I have submitted multiple complaints with the CFPB, Transunion and the listed creditors have failed to provide valid responses. Transunion and the listed creditors above continue to disregard my disputes and have failed to submit substantive documentation which proves a clear violation of my consumer rights. I am also in the process of pursuing federal litigation and my legal counsel has already filed a formal complaint on my behalf. This case is under active litigation. Therefore, I demand the immediate and permanent removal of all disputed accounts and inquiries listed above, including but not limited to those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXand XXXX. Transunion and the listed creditors continued non-compliance with the law has resulted in significant harm to my credit and personal financial standing. Please provide a detailed explanation of how a closed account from XXXX XXXX XXXX with a {$0.00} balance and no hard inquiry is still showing on my credit report. This is another violation of the FCRA and Metro 2 standards and it must be permanently deleted and reflected on my credit report immediately. 

Legal Precedents : 1. XXXX v. XXXX XXXXXX/XX/XXXX 357 F.3d 426 ( 4th Cir. 2004 ) - FCRA violations for inaccurate reporting and failure to investigate. 
2. XXXX XXXX XXXXXX/XX/XXXX XXXX Massachusetts, 199 F.Supp. 2d 81 ( D. Mass. 2002 ) -FCRA compliance and obligations of credit reporting agencies. 
3. XXXX XXXX Transunion XXXX, 115F.3d 220 ( 3rd Cir. 1997 ) -Transunion 's responsibility for accurate credit reporting under FCRA 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