Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal dispute to address the inaccurate and unverifiable reporting of the following accounts on my TransUnion credit report. These accounts are either unverifiable, inconsistent with documentation provided, or the result of identity theft. Despite prior disputes, TransUnion has failed to remove these accounts, which violates federal laws. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX provided me with an electronically signed document as supposed verification for the accounts. However, the information in this document does not align with what is being reported to TransUnion. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. Additionally, I believe these accounts are the result of identity theft, as they were not authorized by me. 

Despite previous disputes, TransUnion has claimed these accounts were verified. However, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation of disputed information, and a claim of verification without proper evidence does not meet this standard. 

XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX has failed to provide validation or verification of the {$1100.00} debt tied to XXXX XXXX XXXX, despite my requests. Reporting this account without proper verification violates 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation upon request. 

Moreover, this account involves medical billing, which introduces potential violations of HIPAA regulations. I did not authorize XXXX XXXX XXXX  XXXX to report any medical-related information to credit reporting agencies, and their actions may constitute an improper disclosure of protected health information. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : TransUnion is obligated to ensure maximum possible accuracy in credit reporting. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : TransUnion must conduct a reasonable investigation when a dispute is filed. 
15 U.S.C. 1681c-2 : Fraudulent accounts must be blocked and removed once notified. 
2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( b ) : XXXX XXXX is required to validate debts upon request. Their failure to do so renders the reporting of this account improper. 
3. HIPAA Privacy Rule : XXXX XXXX reporting of medical-related information without my consent may violate HIPAA regulations . 

Formal Request : I demand that TransUnion : 1. Immediately delete the following accounts from my credit report : XXXX XXXX : {$2900.00} and {$1300.00} XXXX XXXX XXXX XXXX : {$1100.00} 2. Provide written documentation of how these accounts were verified, including : The methods used to verify the XXXX XXXX accounts. 
Any documentation supplied by XXXX XXXX XXXX XXXX to validate the XXXX XXXX XXXX account. 

Legal Notice : If these accounts are not removed promptly, I will pursue legal action under the following statutes : 1. 15 U.S.C. 1681n : Allows me to seek statutory damages, actual damages, punitive damages for willful non-compliance, and attorneys fees. 
2. 15 U.S.C. 1681o : Allows me to seek remedies for negligent non-compliance. 

Additionally, XXXX XXXX and XXXX XXXX may also face legal liability for violating the FDCPA and HIPAA regulations, further exposing them to penalties. 

Supporting Documents : 1. Documentation from XXXX XXXX highlighting discrepancies in their reporting. 

This is your final notice to address these inaccuracies. I expect a resolution and written confirmation of account removal within 15 days. If I do not receive a satisfactory response, I will escalate this matter through legal channels.

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