Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of the following accounts from my credit report due to violations of federal law and as part of a settlement agreement : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violations of Federal Law These accounts are in violation of the following federal statutes and regulations : 15 U.S. Code 1635 ( Right of rescission ) - This statute provides consumers with the right to cancel certain transactions within a specific timeframe. I assert that this right was violated in connection with the listed accounts, as I was not provided with the required disclosures or the opportunity to rescind the transactions.

15 U.S. Code 1692g ( Validation of debts ) - This provision mandates that debt collectors validate debts upon request. Despite my requests, the creditors associated with these accounts have failed to provide proper validation, including documentation substantiating the debts.

15 U.S. Code 1681 ( 2Xi ) ( Fair Credit Reporting ) - This section of the Fair Credit Reporting Act ( FCRA ) outlines the responsibilities of credit reporting agencies to ensure the accuracy and completeness of credit reports. I contend that the inclusion of these inaccurate and unsubstantiated accounts violates this provision.

15 U.S. Code 1666b ( Timely settlement of credit card accounts ) - This statute governs the settlement of credit card accounts and requires creditors to provide timely notice of debt settlement offers. I assert that this provision was violated in connection with these accounts, as I did not receive proper notice of settlement offers or opportunities to settle the debts.

12 CFR 1026.13 ( Billing Error Resolution ) - This regulation establishes procedures for resolving billing errors on credit card accounts. I maintain that these accounts contain unresolved billing errors that were not addressed in accordance with this regulation, further contributing to the inaccuracy of my credit report.

I assert that the aforementioned accounts have violated my consumer rights as outlined in the stated federal laws. Specifically, I have not received the required disclosures or debt validation, and there have been unresolved billing errors associated with these accounts. These violations have negatively impacted my creditworthiness and caused me significant financial harm, including but not limited to, increased difficulty obtaining credit, higher interest rates, and denial of employment opportunities.

Settlement Agreement Furthermore, I am requesting removal of these accounts as part of a settlement reached in XXXX XXXX. XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As agreed in the settlement, these accounts must be removed from my credit report. I have attached a copy of the settlement agreement for your reference and request that you adhere to its terms. The settlement agreement explicitly states that the removal of these accounts is a material term of the settlement, and failure to comply with this requirement constitutes a breach of the agreement. 

Request for Investigation and Removal Based on the above violations and the binding settlement, I respectfully request that TransUnion immediately : Conduct a thorough investigation into the disputed accounts and verify the violations of federal law and the terms of the settlement agreement. This investigation should include, but not be limited to, contacting the creditors associated with these accounts, obtaining documentation substantiating the debts, and reviewing the terms of the settlement agreement.

Remove the above accounts from my credit report as required by federal law and the settlement agreement. This removal should be permanent and should not be reflected in any future credit reports issued by TransUnion.

Provide written confirmation of the removal or the results of your investigation within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). This confirmation should be sent to my current address and should include a detailed explanation of the actions taken by TransUnion. 
Enclosed Documentation I have enclosed copies of my identification, proof of address, a copy of my credit report with the disputed accounts highlighted, and a copy of the settlement agreement to assist in your investigation. I have also included any additional documentation that may be relevant to this dispute, such as correspondence with the creditors or debt collectors. 

Further Action If TransUnion fails to remove these accounts within the required timeframe, I will consider further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available to me under the FCRA and other applicable laws. This may include, but is not limited to, filing a lawsuit against TransUnion for damages and seeking injunctive relief to compel TransUnion to comply with its legal obligations. 


Thank you for your prompt attention to this matter. I trust that you will handle this matter with the utmost professionalism and in compliance with the law. 

Sincerely, 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