Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15.U.S.CODE ; 1681N Civil liability for willful noncompliance and 15 U.S.Code ; 1681 to Civil liability for negligent noncompliance and 15 U.S.Code 1692k civil liability. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, UNVERIFIABLE and INVALIDATED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, UNVERIFIABLE and INVALIDATED items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct in the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly '' Who verified these accounts? you have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' Its very obvious that your agency doesn't know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so here 's my breakdown/ 1. The Fair credit Reporting Act is primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with other- including consumers themselves.

2. What is FCRA violation?

Creditors give reporting agencies inaccurate information about you. Reporting agencies mixing up one person 's information with another 's because for similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3.My rights under the fair credit reporting act.

Verify the accuracy of my report when it is required for employment purposes.

Receive notification if information in my file has been used against me in applying for credit or other transactions.

Dispute- and have the bureaus correct and delete- information in my report that is incomplete, inaccurate, and unverifiable.

Remove outdated, negative information ( after seven years in most cases, 10 in case of bankruptcy ). 

1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX 4. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. 

5. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXXXXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. 

6. I was never late on this account and if you cant provide the documentation showing proof according to USC 15 1666b you need to deleted it and i demand it not to show on my credit report XXXX Account Number : XXXX Remove this now off my credit report its definitely inaccurate 7. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXXXXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

8. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

9. This account has NEVER been verified the date of last activity is incorrect the closed date is incorrect and why is this reporting late I was never late on this account Under 15 USC 1666B this is a billing error always paid as agreed on time this is an XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please show me documentation if you cant provide this please remove this inaccurate information from my account. Please delete these late payments. 

10. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX  Account Number : XXXX Remove this now off my credit report its definitely inaccurate 11. Under 15 U.S.Code 1681b Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX VIOLATION OF 15 U.S.CODE 1681n- CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE ( A ) IN GENERAL ANY PERSON WHO WILLFULLY FAILS TO COMPLY WITH ANY REQUIREMENT IMPOSED UNDER THE SUBCHAPTER WITH RESPECT TO ANY CONSUMER IS LIABLE TO THAT CONSUMER IN AN AMOUNT EQUAL TO THE SUM OF ( 1 ) ( A ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LES THAN {$100.00} AND NOT MORE THAT {$1000.00} ; OR ( B ) IN THE CSE OF LIABILITY OF A NATURAL PERSON FOR OBTAINING A CONSUMER REPORT UNDER FALSE PRETENSES OR KNOWINGLY WITHOUT A PERMISSABLE PURPOSE, ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR {$1000.00} WHICHEVER IS GREATER ; ( 2 ) SUCH AMOUNT OF PUNITIVE DAMAGES AS THE COURT MAY ALLOW ; AND ( 3 ) IN THE CASE OF ANY SUCCESSFUL ACTION TO ENFORCE ANY LIABILITY UNDER THIS SECTION, THE COSTS OF THE ACTION TOGETHER WITH REASONABLE ATTORNEYS FEES AS DETERMINED BY THE COURT. ( B ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater *Please remove all non-account holding inquiries Please noted that you have 30 days to complete this investigation, as per the FCRA Section 611 ( a ) ( 10 ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I DO NOT consent to E-OSCAR or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial inquiry P.S. Please be aware that dependent upon your response. I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below. 

CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Attorney Generals Office CC : Consumer Financial Protection Bureau CC : State Senate CC : XXXX XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC ; Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State regulatory Agency CC : California Regulatory agency Division of consumer complaints

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