Consumer complaint received 2025-01-29 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: UT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington XXXX DC XXXX : Formal Complaint Against TransUnion and Creditors FCRA and FDCPA Violations To Whom It May Concern, I am filing this formal complaint against TransUnion, XXXX XXXX, XXXX XXXX XXXX, and the companies responsible for multiple unauthorized hard inquiries on my credit report. These violations have persisted for over nine ( 9 ) months, significantly damaging my creditworthiness and financial standing.

Violations and Legal Claims : 1. Unverified Collection Account XXXX XXXX XXXX ( {$3900.00} ) This debt has never been validated as required under 15 U.S.C. 1692g ( FDCPA ).

Reporting this unverified debt for over nine months is a willful violation of 15 U.S.C. 1681s-2 ( b ) ( furnishing inaccurate information ).

2. Inaccurate Rental Account XXXX XXXX This account has been unlawfully reported for over nine months, violating 15 U.S.C. 1681b ( no permissible purpose to report inaccurate or unverifiable data ).

3. Unauthorized Hard Inquiries Total of 7 Violations These companies pulled my credit without my consent, violating 15 U.S.C. 1681b ( f ) ( Permissible Purpose ).

These inquiries have remained on my report for over nine months, further compounding damages. 
Total Damages Calculation ( Per FCRA and FDCPA Laws ) : FCRA Willful Violations ( 15 U.S.C. 1681n ) : Up to {$1000.00} per violation FCRA Negligent Violations ( 15 U.S.C. 1681o ) : Up to {$1000.00} per violation FDCPA Violations ( 15 U.S.C. 1692k ) : Up to {$1000.00} per violation Violation Type Number of Violations Compensation per Violation Total Damages Unverified Collection Account 1 {$1000.00} {$1000.00} Inaccurate Rental Account 1 {$1000.00} {$1000.00} Unauthorized Hard Inquiries 7 {$1000.00} {$7000.00} Continued Reporting Over 9 Months 12 {$1000.00} {$12000.00} Total Demand for Damages {$21.00}, XXXX Resolution Demanded : 1. Immediate removal of the following : o XXXX XXXX XXXX XXXX account o XXXXXXXX XXXX  rental account o All unauthorized hard inquiries listed above 2. Compensation of {$21000.00}, payable to XXXX XXXX, for violations of the FCRA and FDCPA. 
3. Written confirmation of these deletions and payment within 24 hours.

If this demand is not met, I will escalate my complaint to the Federal Trade Commission ( FTC ), my State Attorney General, and initiate a federal lawsuit for damages under 15 U.S.C. 1681n. This matter has been ongoing for over twelve months, and failure to act now will result in legal consequences.

I expect a response within five ( 5 ) business days confirming the removal of these accounts, inquiries, and the full payment of damages. 
Sincerely, XXXX XXXX XX/XX/XXXX Last 4 : 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