Consumer complaint received 2024-09-28 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: CA

Complaint narrative:
XX/XX/XXXX Plaintiff : XXXX XXXX - Social Security # XXXX - CA. ID # XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX Defendant : TransUnion XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Notary Demand Letter : XXXX XXXX Re : Fair Credit Reporting Act Violation/Unauthorized Disputed/Fraudulent Inquiries Accounts : XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
# XXXX Re : Withholding Notices : On XX/XX/XXXXXXXX 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  misused fraudulent information by failing to notify " XXXX XXXX XXXX XXXX of a business inquiry account upon the XXXX Credit Report, and refused to Identify the source of Unauthorized credit information that's obtained about XXXX XXXX XXXX XXXX 
# XXXX XXXX XXXX XXXX XXXXXXXX XXXX prepared Identity Report Attached : XXXX XXXX XXXX - Badge # XXXX Hi, TransUnion XXXX. 
I'm XXXX XXXX, and exercising my right to report a Fair Credit Reporting Act, and the Fair Debt Collection Practices Act violation on my TransUnion credit report. 
I am reporting many Fair Credit Reporting Act Violation, and Fair Debt Collection Practices Act Violation against TransUnion. I'm disputing all the Fair Credit Reporting Act Violation/Unauthorized Disputed/Fraudulent Inquiries Accounts above. I've researched my TransUnion credit report. I acknowledge many Unauthorized, and Fraudulent Inquiries on my TransUnion Credit Report. I'm exercising my Fair Credit Reporting Act, and Fair Debt Collection Practices Act rights to question the validity of the Unauthorized, and Fraudulent Inquiry accounts disputed above that's reporting on my personal credit report. 
Pursuant to FCRA Section 609 ( c ) ( 2 ) ( E ), TransUnion credit bureau, consumer reporting agency is required to remove inaccurate, derogatory information from XXXX XXXX XXXX, TransUnion Consumer Credit Report, and outdated information under section 605 or can not be verified. 
This letter has been prepared with assistance from our paralegal and sent by priority mail with tracking. 
Our Paralegal is an online service that helps people file small claims court cases. We strongly support out of court settlements. 
All above fraudulent, inaccurate, and outdated information reporting on XXXX XXXX XXXX, Personal Credit Report is invalid. 
FCRA Section 611 ( a ) 1 ( A ) further expands XXXX XXXX XXXX rights to dispute these discrepancies that should be deleted, and not reported by TransUnion. Furthermore, please This letter has been prepared with assistance from Dispute and sent by priority mail with tracking. Dispute is an online service that helps people file small claims court cases. We strongly support out of court settlements. You can learn more at https : //getdispute.com. 

indicate XXXX XXXX, Method of Verification, Pursuant to U.S.C 1692g Section 809 ( b ) of the FDCPA. Our Office request that TransUnion provide XXXX XXXX XXXX with Competent evidence or Validation that XXXX XXXX have any obligations with any of the fraudulent, and Invalid accounts listed above. 
Pursuant to Section 609 ( a ) ( 1 ) ( A ), TransUnion Credit Reporting Agency are required by federal law to physically verify 100 % the original signed consumer contract of any credit information reported to XXXX XXXX credit report. I want to see validated proof of my inked signature on original contract. If you are unable to provide a copy of validated proof of any of the fraudulent, inaccurate accounts disputed in this notarized letter. Please delete all fraudulent, inaccurate accounts on my Transunion credit report within 30 days from receiving this certified mail. 
I XXXX XXXX are exercising my rights under the California XXXX XXXX XXXX XXXX, and invoking my rights under California Civil Code Section 1798.92, et. seq, in my attempt to dispute this fraudulent, Inaccurate Inquiry Accounts above. TransUnion failure to address this issue as an identity theft accounts or send physical proof, signed copies of the fraudulent, inaccurate accounts disputed above, pursuing the statutory civil penalty of up to thirty thousand dollars ( {$30000.00} ) against TransUnion Corporate Office. This Demand Letter serves as the statutorily required notice of " XXXX XXXX XXXX '' intent to dispute this claim as the product of Identity. 
Signature : XXXX XXXX ______________________________ Date : XX/XX/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 explanation