Consumer complaint received 2024-01-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have asked these companies not to display my date of birth, social security number and to display my correct name and address multiple times. And I have blatantly ignored and disregarded each time. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts as they are alleged : Account name : # XXXX XXXX. XXXX, Account name : # XXXX  XXXX  # XXXX, Account name : # XXXX XXXX XXXXXXXX, Account name : XXXX XXXX  # XXXX Account XXXX  XXXX # XXXX Account Name XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX Account Name XXXX XXXX # XXXX, Account Name XXXX XXXX  XXXX... However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, payment history, balance, and much more are incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts by deletion that are violating my rights. that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case CERTIFIED MAIL RETURN RECEIPT REQUESTED [ Tracking No. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Report Disputes XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation by the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. With certified letters stating that you are 100 % sure that the information being reported by you that is 100 % true and accurate, the method that you used, whom supplied the information etc The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit of truth swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law nor submit to me within 5 days the certified process in which you verified such information and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ..promptly DELETE all information that can not be verified. '' | request that you do this immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA for an allotted amount of each error of $ XXXX I demand that you delete all of the accounts listed above immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. your non-compliance with the appropriate regulatory authorities. Due to these issues on my report, I am having a hard time providing for my children! I'm unable to get a home. I'm unable to secure a loan for school to better my career due to these discrepancies.

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