Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to dispute accounts and inquiries reported on my consumer credit report referenced below, which are the result of unauthorized inquiries. I demand verifiable proof bearing my signature or electronic signature, as I never authorized such actions. This constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B, regarding the block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ], and Fair Credit Reporting Act Section 604. 


Regarding the disputes with TransUnion, I am providing the following details : Erroneous Current Address : 1. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX - Rectify immediately by updating this item. 

Billing Errors and Inaccurate Reporting : 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Rectify immediately by verifying and deleting this item. 


3. XXXX XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX  ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


4. XXXX XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX XXXX ) - Billing error under 15 USC 1666B. Payments are always on time. Rectify inaccurate late payment reports. 

5. XXXX XXXX XXXX XXXX, Account Number : XXXX  - ( XXXX XXXX XXXX ) - Billing error under 15 USC 1666B. Payments are always made on time. Rectify inaccurate late payment reports. 

6. XXXX XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


7. XXXX, Account Number : XXXX ( XXXX XXXX ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


8. XXXX XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


9. XXXX XXXX, XXXX, Account Number : XXXX ( XXXX XXXX XXXX ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


10. XXXX XXXX XXXX, Account Number : XXXX ( XXXX XXXX ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


11. XXXX XXXX, Account Number : XXXX - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


12. XXXX XXXXXXXX, Account Number : XXXX ( Credit Card ) - This account violates federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), damaging my credit. Rectify immediately by verifying and removing this item. 


Unauthorized Inquiries : 13. XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

14. XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

15. XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 

16. XXXX XXXX XXXX, on XX/XX/XXXX, made an unauthorized inquiry. This breaches federal law ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) ), tarnishing my credit. Remove this item now. 


The listed items are gravely inaccurate and represent a severe error.

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