Consumer complaint received 2024-12-04 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: OH

Complaint narrative:
This letter serves as my formal Notice of Intent to Sue against TransUnion LLC regarding its continued failure to adequately address several serious violations of consumer protection laws in relation to my credit report. Despite repeated disputes, substantial evidence, and prior complaints, TransUnion has failed to take appropriate actions to correct multiple fraudulent and inaccurate accounts appearing on my credit report. This ongoing negligence continues to damage my financial standing and violates multiple federal and state laws. Summary of Violations and Failure to Address Disputes XXXX XXXX  Dispute : This account is inaccurately reported as charged off despite my dispute and evidence that XXXXXXXX XXXX  coerced me into a pay to delete arrangement, which they failed to honor. 
Legal Violations : 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXX failure to conduct a reasonable investigation violates this law.

15 U.S.C. 1681i : TransUnion failed to properly reinvestigate this account.

15 U.S.C. 1681c : The charge-off must be deleted if no verifiable proof is provided. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : This account is inaccurately reported and has not been properly verified during previous disputes. 
Legal Violations : 15 U.S.C. 1681s-2 ( b ) : GS Banks failure to conduct a reasonable investigation.

15 U.S.C. 1681i : TransUnions failure to reinvestigate and correct this account. 
15 U.S.C. 1681c : Unverified accounts must be deleted. 
XXXX ( Account # XXXX ) Dispute : This account, stemming from identity theft, was deleted but reappeared under a new name ( XXXX ). Despite providing an FTC Identity Theft Report, it remains on my credit report. 
Legal Violations : 15 U.S.C. 605B : TransUnion must delete fraudulent information upon receipt of an identity theft report. 
15 U.S.C. 1681m : TransUnion failed to remove this fraudulent account. 
Unauthorized Credit Inquiries ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dispute : Unauthorized credit inquiries, stemming from identity theft, have appeared on my report. 
Legal Violations : 15 U.S.C. 1681b : These inquiries were made without my authorization. 15 U.S.C. 1681i & 605B : TransUnion must delete unauthorized inquiries related to identity theft. 
XXXX XXXX XXXX XXXX ( XXXX ) Account ( Fraudulent ) Dispute : The fraudulent XXXX account continues to appear on my credit report, despite my evidence and disputes. 
Legal Violations : 15 U.S.C. 1681i & 1681c-2 : TransUnion failed to delete this fraudulent information.

15 U.S.C. 1692e & 1692f : Continued reporting of this account without marking it as disputed.

Ohio Rev. Code 2913.49 : TransUnions failure to correct fraudulent information is a violation of Ohio law. 
Harm Caused As a direct result of TransUnions ongoing inaction, I have suffered : Financial Losses : Repeated credit denials and reduced financial opportunities, with estimated damages exceeding {$20000.00}. 
Emotional Distress : Significant frustration, anxiety, and reputational harm due to the continued appearance of these erroneous marks on my credit report.

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