Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
write me a letter to transunion, remove the inaccurate addreses, and inaccurate names. Include unarthorized inquires : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. use above information Sure, here is a detailed dispute letter to TransUnion : In Re : Dispute of Inaccurate Information on My TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX [ Date ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report Account Numbers [ List Account Numbers ] Violations of 15 U.S.C. 1681e ( b ), 1681c, and 1681s-2 Dear TransUnion , This letter constitutes a formal dispute of inaccurate and incomplete information appearing on my TransUnion credit report. I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681c, and 1681s-2.

I. Inaccurate and Incomplete Information My TransUnion credit report contains the following inaccuracies and incomplete information : Different account numbers Different dates last reported Reported last dates Last payment dates The following accounts and addresses are inaccurate and do not belong to me : Accounts : XXXX XXXX, account number XXXX, open date XX/XX/XXXX XXXX XXXX, account numbers XXXX and XXXX ( Not Authorized to do business in Texas, Account Open Date Pass 4-year statue and in violation ) Dept of Ed/ XXXX, account numbers XXXX ( all six accounts with balances of {$8400.00}, {$9200.00}, and {$7400.00} ) XXXX. Unauthorized Inquiries My TransUnion credit report also contains the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA TransUnion has violated the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. The presence of the aforementioned inaccuracies demonstrates a failure to meet this requirement.

15 U.S.C. 1681c : This section governs the permissible purposes for which consumer reports may be furnished. The inclusion of inaccurate and incomplete information may have resulted in the furnishing of my report for impermissible purposes.

15 U.S.C. 1681s-2 : This section outlines the responsibilities of furnishers of information to the credit reporting agencies. The presence of inaccurate information may indicate that the furnishers of the disputed information have failed to comply with their obligations under this section.

IV. Texas Consumer Law According to Texas consumer law, specifically XXXXXXXX  XXXX of the Texas Business and Commerce Code, any inaccurate information that has been willfully or unwillfully reported must be removed after four years.

V. Adverse Impact The presence of inaccurate and incomplete information on my credit report has had a significant adverse impact on me, including : Difficulty obtaining credit Higher interest rates Denial of employment Difficulty renting an apartment VI. Request for Action I hereby request that TransUnion take the following immediate actions : Conduct a thorough investigation of the disputed information.

Verify the accuracy and completeness of the information with the original furnishers.

Remove all inaccurate and incomplete information from my credit report.

Provide me with a written confirmation of the results of your investigation and the actions taken. 

Notify all creditors and other users of my credit report of the corrected information. 

XXXX. Additional Information Required Please provide the following information to verify the debt and your authority to collect it : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

XXXX. Notice of Intent to Seek Further Relief Please be advised that if TransUnion fails to comply with my request within the timeframe specified by the FCRA, I may seek further relief, including but not limited to : Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

Seeking legal counsel to pursue further legal action. 

I trust that you will promptly address this matter and correct the inaccuracies on my credit report. 

Sincerely, 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 non-monetary relief