Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Final Warning for immediate Removal of all Accounts Associated with Bankruptcy Record Due to FCRA and TILA Violations.

Dear Sir/Madam, I am writing to address the continued presence of the Bankruptcy record and all associated accounts on my credit report despite previous disputes and verification attempts, I SEND THE LETTER 1 ( XX/XX/XXXX ), and you fail the investigation AFTER I SEND THE LETTER 2 ( XX/XX/XXXX ) and the verification provided by your agency has failed to meet the requirements set forth under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). This letter serves as a final warning for the immediate removal of all accounts related to this Bankruptcy record, Bankruptcy Account Number : XXXX filed on XX/XX/XXXX Reasons for Removal : 1 : Violation of the Fair Credit Reporting Act ( FCRA ) : Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information form the consumer credit file.

15 U.S.C. 1681 I Investigation Requirements : Your verification response did not include a sufficient description of the investigation process, as required by the FCRA. You failed to adhere to the obligation to provide a thorough and detailed account of the steps taken to verify the information.

15 U.S.C. 1681 b ( 2 ) Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards.

15 U. S. C. 1681 a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld.

2 : Violation of the Truth in Lending Act ( TILA ) : * Disclosure Requirements : The TILA mandates that creditors and credit reporting agencies provide accurate and timely disclosure regarding credit terms and the status of accounts. Your agencys failure to provide clear and accurate information, including proper validation and verification of the bankruptcy record, constitutes a breach of these requirements.

Request for action : Given these violations, I demand the immediate removal of all accounts associated with the bankruptcy record from my credit report. This includes, but is not limited to, any and all accounts, judgments, and public records listed under this bankruptcy. Failure to comply with this request within 15 day of receiving this letter will leave me no choice but to escalate the matter further. This will include : DELETE INMEDIATLY FOR VIOLATION TO THE Violation of the Fair Credit Reporting Act ( FCRA ) and Violation of the Truth in Lending Act ( TILA ) : Bankruptcy Account Number : XXXX filed on XX/XX/XXXX Additionally, the following accounts were included in the bankruptcy : Creditor Name : XXXX Account Number : XXXX Amount Included in Bankruptcy : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Amount Included in Bankruptcy : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Amount Included in Bankruptcy : XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Amount Included in Bankruptcy : XXXX Creditor Name : XXXX XXXX  Account Number : XXXX Amount Included in Bankruptcy : XXXX Attach, The PROOF : Filing formal complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Pursuing legal action for the breach of my rights under FCRA and TILA.

This letter serves as your final opportunity to rectify this situation. Please take the necessary steps to ensure the removal of all related accounts and provide written confirmation of their removal within the specified timeframe.

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution.

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