Consumer complaint received 2025-01-28 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: NV

Complaint narrative:
Subject : Complaint Against XXXX for Non-Compliance with FCRA ( 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) ) Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint against XXXX  regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), 15 USC 1681s-2 , 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). My experience aligns with the issues highlighted in your recent lawsuit against XXXX for sham investigations of credit report errors and systemic non-compliance with FCRA standards. Background of the Issue : I submitted multiple disputes to XXXX regarding numerous inaccuracies on my credit report. Despite providing clear evidence, XXXX : XXXX. Failed to conduct a reasonable investigation of my disputes. XXXX. Maintained inaccurate information on my credit report in violation of FCRA standards. XXXX. Did not properly report my disputes to creditors. XXXX. Reinserted or failed to remove erroneous information without notifying me as required by law. These actions have directly harmed my creditworthiness, limiting my ability to access credit, housing, and other financial opportunities.Examples of Inaccurate Accounts : Below are examples of inaccurate accounts that XXXX has failed to address appropriately despite multiple disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain numerous inaccuracies, including incorrect balances, statuses, and reporting errors. I demand their immediate removal. ****Reference to Recent CFPB Lawsuit : I am aware of the CFPBs recent legal action against XXXX, which revealed the following systemic issues : - Sham investigations of consumer disputes. - Failure to properly report and remove credit report errors. - Re-insertion of erroneous information without notifying consumers. ****This lawsuit validates my concerns and underscores XXXX disregard for consumer rights. A ) Requested Resolution : I request the CFPB to : XXXX. Investigate XXXX handling of my disputes and ensure compliance with FCRA standards. XXXX. Require XXXX to provide a detailed explanation of their investigation process for each disputed item. XXXX. Mandate the immediate correction or removal of inaccurate information on my credit report. XXXX. Impose penalties on XXXX for their non-compliance, as appropriate. B ) Supporting Documentation : I have attached the following documents to support my complaint : - Copies of dispute letters sent to XXXX. - Responses ( or lack thereof ) from XXXX. - Evidence of inaccuracies in my credit report. - Any additional correspondence regarding this matter. Impact of XXXX  Negligence : XXXX failure to uphold their legal obligations has caused significant harm to my financial stability, including denial of credit and increased borrowing costs. This negligence has further delayed my ability to achieve financial goals, such as purchasing a home. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. Respectfully, XXXX XXXX XXXX XXXX XXXX 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