Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Immediate Removal of Inaccurate Information in Violation of Federal Law Dear Credit Bureaus, I am writing to demand immediate action regarding the gross inaccuracies and unlawful reporting in my credit file. After reviewing my credit report, I have discovered that your actions, as well as those of the creditors providing you with information, are in direct violation of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including 15 U.S.C. 1681. 
Your repeated failures to comply with federal regulations have caused me undue stress, anxiety, and reputational harm, and this blatant disregard for your legal obligations must be addressed without delay. 
________________________________________ Specific Violations of Federal Law 1. Violation of Privacy Rights 15 U.S.C. 1681 Section 602 : This section explicitly states that I have the right to privacy. Your inclusion of inaccurate late payments violates this fundamental right by disseminating false information without reasonable cause or verification.

2. Illegal Furnishing of Information Without Consent 15 U.S.C. 1681b : According to this provision, a consumer reporting agency can not furnish any account information without my explicit written consent. I NEVER authorized you or the creditors listed below to report this information on my file, making your actions a direct and flagrant breach of federal law.

3. Failure to Mail Timely Billing Statements 15 U.S.C. 1666b : A creditor can not treat a payment as late unless they have reasonable procedures to ensure that billing statements are mailed or delivered at least XXXX days before the payment due date. This procedural failure makes the reporting of these alleged late payments not only false but illegal.

4. Obligation to Remove Unverifiable Information 15 U.S.C. 1681i ( a ) : As mandated by this section, you are required to reinvestigate disputed information within XXXX days and remove any items that can not be verified. If the creditors listed below fail to provide you with documented evidence supporting their claims, YOU MUST REMOVE these late payment notations immediately.

________________________________________ Details of Inaccurate Reporting The following accounts are erroneously reported on my credit file as having late payments, which is unequivocally false and unsupported by any valid documentation : XXXX/XXXX/XXXX, Account Number XXXX XXXX, XX/XX/XXXX XXXX/XXXX/XXXX, Account Number : XXXX, XX/XX/XXXX XXXX My Demands I am demanding the immediate removal of the inaccurate information associated with these accounts. Specifically, these accounts must be updated to reflect " PAID AS AGREED. '' Furthermore, I demand the following : XXXX. Verification or Deletion of Inaccurate Items : Provide me with concrete, documented evidence proving that I was late on any payments. If such evidence can not be produced, you are required under 15 U.S.C. 1681i ( a ) to delete these items immediately. 
2. Proof of Authorization : Provide evidence that I explicitly authorized the reporting of these accounts, as required under 15 U.S.C. 1681b. Failure to provide this proof will constitute a direct violation of my rights under federal law.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting the removal of these inaccurate items. This must be completed within the XXXX-day timeframe stipulated under 15 U.S.C. 1681i ( a ) ( 1 ).

XXXX. Cease and Desist : Stop reporting any unverifiable or inaccurate information about these accounts immediately. Any further misrepresentation will result in additional complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 
________________________________________ Consequences of Non-Compliance If you fail to comply with this demand, I will have no choice but to escalate this matter by filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Additionally, I reserve the right to pursue civil litigation under 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 1681o for negligent noncompliance. You may also be subject to statutory damages, punitive damages, and other remedies for the harm you have caused through your negligent and fraudulent actions.

________________________________________ This is your final notice to take the corrective action mandated by federal law. You should be ashamed of the systemic abuse of your role as a consumer reporting agency, and I will not tolerate any further violations of my rights. 
I expect written confirmation of the actions taken, including an updated credit report, no later than XX/XX/XXXX. Failure to comply will result in swift legal action. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of Credit Report Highlights CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC )

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