Consumer complaint received 2025-04-08 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WA, XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Dear Credit Reporting Agency Representative, I am writing to formally dispute inaccurate and unauthorized information appearing on my credit report. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request the immediate investigation and removal of the disputed items in accordance with the laws protecting consumers against erroneous and unverified reporting. 
The specific items I am disputing are as follows : Accounts with adverse information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX  XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX I am disputing these items based on the following legal grounds : 15 U.S. Code 1681 ( a ) ( 4 ) - Consumers Right to Privacy : - There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681 ( b ) - Reasonable Purposes : - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
-TRANSUNION is not keeping accurate records of my report, as TRANSUNION is reporting information that is not accurate, thus violating 15 U.S. Code 1681 ( b ). 
Accounts that are deemed inaccurate and are being falsely reported are : Accounts with adverse information : XXXXXXXX XXXX XXXX XXXX  # XXXX Inquiries : XXXX  XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include - ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; - Reporting transaction history is illegal.

15 U.S. Code 1681b and P.L 90-321 ( 82 Stat. 146 ) - Permissible Purposes of Consumer Reports : - My information may have been accessed or reported without a permissible purpose. ( 2 ) states in accordance with the written instructions of the consumer to whom it relates. Therefore, my written consent to add anything to my consumer report is needed. Since I did not give TRANSUNION this authorization, this is a violation of the Fair Credit Reporting Act. Furthermore, XXXX. XXXX ( XXXX XXXX. XXXX ) further states any agency is only able to obtain my report in response to a request by the head of a state or local child support enforcement agency or a state or local government official authorized by the head of such an agency. 

15 U.S. Code 1681c - Requirements for Reporting Information : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : -Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. TRANSUNION is in violation if any adverse items besides the conviction of crimes are on my report. Subject to 1681c, TRANSUNION is to remove any adverse items not related to crimes committed IMMEDIATELY.

Account ( s ) to be removed as per 15 U.S. Code 1681c : Accounts with adverse information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 12 CFR 1022.3 - Identity Theft Definition : - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Any unauthorized items on my report are considered identity theft and are to be removed immediately. Review the FTC identity theft affidavit attachment and process the removal of the entries accordingly. 

15 U.S. Code 1681c-2 - Blocking of Identity Theft Information : -Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

- ( Credit Agency ) is to remove the entries listed on the FTC affidavit, in accordance with 15 U.S. Code 1681c-2. These accounts include : Accounts with adverse information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE on XX/XX/XXXX 15 U.S. Code 1681e ( a ) - Compliance Procedures : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Therefore, TRANSUNION is violating section 1682b for a permissible purpose and 1681c for information contained in consumer reports if XXXX violates compliance procedures under this title. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance : ( a ) In general Any person ( CORPORATION ) who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Since TRANSUNION within the consumer agreement has stated that they will follow the law and agreed to do so, they are aware and are wilfully committing non-compliance. Therefore, further legal action will be pursued within the scope of this title if corrections are not made IMMEDIATELY. 

15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance : Any person ( CORPORATION ) who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) Any actual damages sustained by the consumer as a result of the failure I have enclosed a copy of my FTC identity theft affidavit and other supporting documents, which further substantiate my claims. I request that you conduct an investigation and provide me with the results within the legally mandated 30-day period.

If this matter is not resolved, I will pursue legal action against TRANSUNION in the amount of {$1000.00} PER VIOLATION of the FCRA, pursuant to 15 U.S. Code 1681n. These violations, if not removed, include : Accounts with adverse information : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$1000.00} Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX for {$1000.00} XXXX  XXXX on XX/XX/XXXX for {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$1000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX for {$1000.00} Total violation : {$5000.00} Please send written confirmation once the disputed items have been corrected or removed. You may reach me at the contact details provided above for any further clarification. Thank you for your prompt attention to this urgent matter. 

Sincerely, By : XXXX 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