Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
b'Final Notice  Demand for Immediate Deletion of Unverified Accounts and Notice of Intent to Pursue Civil Action_______________\n\nI am writing in regard to my prior request, dated XXXX  sent by Certified Mail Return Receipt requested, submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681g (Section 609) and 15 U.S.C. 1681i (Section 611).  An FTC complaint has been filed. _______________\n\nYou were required by law to provide complete documentation and verification of the accounts listed in my previous correspondence within 30 days.  _________\n\nTo date, you have failed to comply fully with my lawful request.  _________\n\n**Therefore, you are now in violation of the following laws:**_________\n- **15 U.S.C. 1681g**  Failure to provide proper disclosure._________\n- **15 U.S.C. 1681i**  Failure to properly investigate disputed information._________\n- **15 U.S.C. 1681n**  Willful noncompliance (subject to punitive damages)._________\n- **15 U.S.C. 1681o**  Negligent noncompliance (subject to actual damages)._________\n\nUnder these statutes, I am entitled to:_________\n- Actual damages,_________\n- Punitive damages,_________\n- Court costs, and_________\n- Attorneys fees._________\n\n**You are hereby given 15 calendar days from the receipt of this letter** to delete the following accounts from my credit report:_________\n\n(1) Reported Creditor: XXXX XXXX XXXX XXXX  _____\nReported Date Opened: XXXX XXXX XXXX   _____\nReported Acct #: XXXX    _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n\n(2) Reported Creditor: XXXX XXXX XXXX _____\nReported Date OpenedXXXX XXXX XXXX XXXX   _____\nReported Acct #:  XXXX    _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(3) Reported Creditor: XXXX XXXX XXXX XXXX _____\nReported Date Opened:  XXXX XXXX XXXX  _____\nReported Acct #: XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(4) Reported CreditorXXXX XXXX XXXX XXXX XXXX _____\nReported Date Opened: XXXX   _____\nReported Acct #: XXXX    _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(5) Reported Creditor: XXXX XXXX _____\nReported Date Opened:XXXX XXXX XXXX  _____\nReported Acct #:  XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(6) Reported Creditor: XXXX XXXX _____\nReported Date Opened: XXXX XXXX XXXX   _____\nReported Acct #:  XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(7) Reported Creditor: XXXX XXXX XXXX XXXX  _____\nReported Date Opened: XXXX XXXX XXXX   _____\nReported Acct #:  XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n\n(8) Reported Creditor: XXXX XXXX XXXX _____\nReported Date Opened: XXXX XXXX XXXX   _____\nReported Acct #: XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(9) Reported Creditor:XXXX XXXX XXXX  _____\nReported Date Opened: XXXX XXXX XXXX    _____\nReported Acct #XXXX XXXX    _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(10) Reported Creditor: XXXX XXXX XXXX   _____\nReported Date Opened: XXXX XXXX XXXX  _____\nReported Acct #:  XXXX _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(11) Reported CreditorXXXX XXXX _____\nReported Date Opened:  XXXX XXXX XXXX   _____\nReported Acct #:  XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(12) Reported Creditor: XXXX XXXX XXXX  _____\nReported Date Opened: XXXX XXXX XXXX  _____\nReported Acct #: XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(13) Reported Creditor: XXXX XXXX _____\nReported Date OpenedXXXX XXXX    _____\nReported Acct #:  XXXX XXXX XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(14) Reported Creditor: XXXX XXXX  _____\nReported Date Opened:  XXXX XXXX XXXX  _____\nReported Acct #: XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(15) Reported Creditor: XXXX XXXX XXXX _____\nReported Date Opened: XXXX XXXX XXXX    _____\nReported Acct #XXXX XXXX  _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(16) Reported Creditor: XXXX XXXX XXXX _____\nReported Date Opened: XXXX XXXX XXXX   _____\nReported Acct #: XXXX   _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\n(17) Reported CreditorXXXX XXXX XXXX XXXX____\nReported Date Opened:  XXXX XXXX XXXX  _____\nReported Acct #: XXXX    _____\nDispute: Reinvestigation not completed and updated within 30 days_____\nDispute: Information is incomplete & inaccurately reported_____\nDemanded Action: Block & Remove Immediately ________________\n\nIf you fail to delete the accounts within this time period, I will be forced to :_________\n- Pursue remedy with the Consumer Financial Protection Bureau (CFPB),_________\n- Pursue remedy with the Federal Trade Commission (FTC),_________\n- Pursue remedy with the state attorney generals office, and_________\n- Initiate a civil lawsuit in federal court to seek damages as provided under 15 U.S.C. 1681n and 1681o._________\n\nThis letter serves as **your final notice**. I would prefer to resolve this matter amicably without court intervention; however, I will pursue all legal remedies available to me if necessary. _________\n\nPlease govern yourselves accordingly._________'

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