Consumer complaint received 2025-02-19 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: NY

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX T

o whom it may concern, I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting.

Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 
Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 
Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry. - DELETE!!! 
XXXX XXXX XXXX XXXXXX/XX/XXXX I hope this message finds you well. I recently received a credit report from your agency, and upon reviewing it, I noticed there are several companies listed that I am not familiar with. It appears that these companies made an inquiry on my credit file without my knowledge or consent. As per the U.S. Code 15 USC 1681 ES Seg Section 604, all users of consumer reports must have a valid purpose under the Fair Credit Reporting Act. 
Therefore, I kindly request your assistance in resolving this matter by removing any unauthorized inquiries from my credit report. Alternatively, if you have any documentation to prove that these inquiries are legitimate, please provide me with this documentation for my records.

Furthermore, I would like to request that upon your removal or adequate modification of the disputed claim ( s ) to a level no less than factually and lawfully adequate, you must provide me with an updated copy of my credit report ( s ) displaying all removed, modified, and updated information. This is your legal responsibility to prove your adherence to all federal reporting mandates, as well as any applicable state laws, including but not limited to FCBA, FCRA, and ECOA, in alignment with your industry 's standard for perfect and complete utilization of the mandated Metro 2 Format, as previously mentioned.

Please note that I am labeling this notice to be forwarded to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) as official complaints. I am requesting that these governing bodies take action to rectify what appears to be your non-compliant and potentially unlawful reporting practices, including your erroneous or incomplete reporting of negative and injurious claims against me. 
Lastly, I would like to bring your attention to 15 USC 1692e ( 8 ), which states that communicating or threatening to communicate false credit information to any person, which is known to be false or should have been known to be false, including the failure to communicate that the reporting of such an alleged debt is challenged for proof demonstrating the factually certified compliant reporting practices, is grounds for a lawsuit applying a {$1000.00} fine for each violation. Additionally, entities furnishing data in the Metro 2 Format are responsible for providing data that they believe will satisfy their obligations in compliance with relevant laws. XXXX XXXX XXXX XXXX Genuine Sincerity I close,  XXXX XXXX XXXX of 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