Consumer complaint received 2025-01-26 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: GA

Complaint narrative:
From : To : XXXX XXXX XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the year XXXX of our XXXX and XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Blessings to you, I am writing today to formally dispute inaccurate and misleading information on my Transunion credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. Despite previous disputes, Transunion has failed to correct or remove the information listed below. 
Disputed Information : Incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( SHOULD BE OPEN AND NOT CLOSED ) Hard Inquiry : Unauthorized inquiry from XXXX XXXX XXXXXX/XX/XXXX and unauthorized inquiry from XXXX ( listed twice ) XX/XX/XXXX and XX/XX/XXXX Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, Transunion is legally obligated to ensure the maximum possible accuracy of consumer reports ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). Transunion must also delete or correct information that is inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

There have been numerous lawsuits filed against Transunion for repeatedly violating these obligations by : Failing to conduct reasonable re-investigations into consumer disputes.

Over-relying on furnishers responses without verifying accuracy. 
Not providing consumers with clear and accurate dispute results. 
I am experiencing the same failures in Transunions dispute process, which directly violates the FCRA. 
Furthermore, due to the inaccurate reporting of negative accounts that were later deleted due to them being inaccurate. The deletion of itself is evidence that the information was incorrect but it does not erase the emotional distress I suffered while the inaccurate data was on my consumer report. I believe that Transunions actions have caused me damages, including punitive damages, statutory damages, actual damages, reputational harm, emotional distress, and XXXX and I request compensation for these losses. 
Corrective Action : Immediate correction or deletion of these inaccurate accounts and personal information. 
Written confirmation that these corrections have been made within 30 days. 
Removal of the unauthorized hard inquiry that lacks permissible purpose. 
Enclosures : Copies of aforementioned deletions. 
If these inaccuracies are not corrected within 30 days of receipt of this notice, I reserve the right to pursue further action, including litigation, if this matter is not resolved to my satisfaction. 
Please provide written confirmation of receipt of this letter and your intended actions. I can be contacted at XXXX or at the address listed above for any additional information. 
Thank you for your prompt attention to this matter. 
Sincerely in equity and good faith, 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 explanation