Consumer complaint received 2025-01-09 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts from My Credit Report Dear TransUnion, I am writing to formally dispute the accuracy of certain items on my credit report. Based on recent documentation I have obtained from XXXX, it has been confirmed that XXXX accounts associated with my credit history have been deleted due to being unverifiable. I request that you promptly review and remove these accounts from my credit report to ensure that they reflect only accurate, verifiable, and fair information. 

The details of the deleted accounts are as follows : Creditor Name : XXXX Card Services Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX - XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), you are obligated to investigate disputed information and remove unverifiable or inaccurate data from my credit report within 30 days of receiving this dispute. As XXXX has already determined these accounts to be unverifiable, I request that you immediately remove these entries from my credit report. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The continued reporting of unverifiable accounts violates these legal obligations.

If these items are not removed promptly, I reserve the right to pursue legal action as outlined in 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and legal fees for willful or negligent noncompliance.

Please acknowledge receipt of this letter and provide a written response within 30 days, detailing your actions regarding the accounts in question. I trust that you will act in accordance with your legal obligations to ensure my credit report is accurate and fair. 
Enclosed is the documentation from XXXX confirming the deletion of these accounts for your reference. 

Thank you for your immediate attention to this matter. If you require additional information to facilitate this process, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX Enclosures : Screenshot from XXXX confirming deletion of accounts Copy of my credit report with disputed items highlighted Copy of my government-issued ID for verification

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