Consumer complaint received 2024-11-06 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:
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX, FL XXXX XX/XX/XXXX Dear Sir, Madam, or to whom elsewise it may concern I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. Under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting, I challenge the reportability of these unsubstantiated allegations. Federal and state laws require accurate and complete reporting, prohibiting the inclusion of known or should-be-known unlawful claims. Please ensure the accuracy and correctness of all your claims, as mandated by the XXXX XXXX reporting standard. 

I kindly request you to provide verifiable physical evidence to support the existence and permissible usage of the account. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report for my records. 
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Collections that are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : - XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect DOB : - XXXX I wish to bring to your notice an erroneous data element in the provided document. I am keenly interested in your insights on this matter. I respectfully request that you undertake the task of verifying the accuracy of my credit report and the adherence to proper reporting protocols. Failure to do so would suggest inaccuracies in my profile data, as it does not conform to the stipulated XXXX XXXX standards. 

Employer - XXXX The following personal information is incorrect - The personal data reporting is inaccurate. 

I would like to bring to your attention that the records pertaining to Employer - XXXX are currently inaccurate, and do not meet the minimum standard for accuracy. It is therefore imperative that you promptly update your records to reflect the correct information. 

May I remind you that the presence of incorrect data in your records or on my credit report may have serious implications and may even result in legal action. As such, I request that you take immediate steps to rectify the situation, as inaccurate information has no place in either your records or on my credit report. 

Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

It is of utmost importance that your personal information, reflecting the latest updates, adheres to the standards of accuracy, timeliness, and verifiability. Failure to possess the appropriate documentation for your credit profile may result in non-compliance with the Fair Credit Reporting Act ( FCRA ) or XXXX XXXX standards. Therefore, I kindly request that you remove any address within your system that does not align with my specific address of XXXX XXXX XXXX, XXXX, FL, XXXX. Ensuring such alignment will not only support compliance but also contribute to the integrity and reliability of the information contained within your records. Your cooperation in rectifying this matter in a prompt and diligent manner would be greatly appreciated. 

Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, FL XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

I kindly request that you ensure the accuracy, timeliness, and verifiability of my personal information in your records. It is crucial that your documentation adheres to the standards outlined in the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Therefore, I urge you to promptly delete any address within your system that does not align with my specific address of XXXX XXXX XXXX, XXXX, FL, XXXX. Your cooperation in rectifying this matter in accordance with regulatory requirements is greatly appreciated. 

XXXX XXXX - XXXX This account is inaccuarately reporting late payments on multiple bureaus. The discrepancies in the payment status across XXXX, XXXX, and Transunion violate 15 USC 1681e ( b ), which mandates the bureaus to maintain maximum possible accuracy of consumer reports. The account also displays inconsistency in reporting activity dates. - Please update this late payment to " Paid as agreed, never late, '' in compliance with 15 USC 1681i ( 5 ). This account is reporting inconsistencies and must be corrected to reflect accuracy across all three bureaus, or deleted for non compliance. If the reporting remains inaccurate, the account should be removed immediately to ensure compliance with 15 USC 1681e ( b ). 

XXXX XXXX - XXXX The reported delinquency and derogatory claims listed above lack the necessary and legally mandated documentary evidence to support their current certifiable compliance in reporting negative information, which must also be physically verified, confirmed, and factually accurate, timely, and complete, or otherwise unquestionable in their validity. Due to this deficiency, I respectfully request the immediate and complete deletion of all aspects of the alleged negativity, in order to restore and uphold the ethical and lawful standards of consumer credit reporting practices as required by law. 

XXXX XXXX XXXX XXXXXXXX The collection account shows inconsistencies in bureaus and lacks validation under XXXX XXXX 1692g.

Additionally, the account charge-off status does not align with accurate reporting procedures, violating 15 USC 1681e ( b ), which mandates maximum possible accuracy in credit reporting. - Please validate debt under 1692g. If accurate information and proper validation are not provided, remove this account immediately due to noncompliance with 15 USC 1681e ( b ). Inaccurate reporting violates my rights as a consumer, and immediate deletion is required from all bureaus.

May I kindly request that you cease reporting any detrimental information related to the allegations concerning the account details specified below? It is conceivable that the account identified as XXXX XXXX - XXXX may have been reported in an unjust or uncertified manner, or in violation of applicable laws. Consequently, I respectfully demand that you expunge any item that alleges negative conditions or late payments, as mandated by the law. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( b ) collections must be 100 % accurate across all three bureaus. - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT XXXXOLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

XXXX XXXX XXXX XXXXXXXX, I hope this message finds you well. I would like to bring to your attention that the data presented above does not appear to have undergone certification to meet the required reporting standards. Additionally, it is crucial to acknowledge that this information might be incomplete, outdated, or lacking proper support. Therefore, I kindly request that any inaccurate or unsupported material be expeditiously removed from this page. 

XXXX - XXXX This account is inaccurately reporting late payments and charge-offs with discrepancies across all three credit bureaus, which violates 15 USC 1681e ( b ) requiring maximum possible accuracy in consumer reports. The " Late Pay '' and " Charge Off '' remarks are inconsistent, and the balance information lacks compliance with the standard reporting accuracy. - Please remove any inaccurate, incomplete, and/or unverifiable information from my consumer report. 

I hereby present the details pertaining to XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not been certified to conform to any recognized reporting standards. Therefore, the accuracy, currency, and comprehensiveness of the data can not be guaranteed. Furthermore, it is important to note that this information might be incomplete, outdated, or lacking proper support. In light of these circumstances, I kindly request the removal of any erroneous or unsupported content from the aforementioned page. 

XXXX XXXX XXXXXXXX 15 USC 1681e ( b ) collections must be 100 % accurate across all three bureaus - I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with the original application, contract, note, or other instrument bearing my signature. In addition, any contract signed between DEBT COLLECTORS and the original creditor, notarized and sworn under penalty and perjury granting this DEBT COLLECTOR ability to collect this alleged debt. Failing that, the items must be deleted from the report as soon as possible. 

I hereby bring to your attention the matter concerning the data pertaining to XXXX and XXXX. It is imperative to acknowledge that the aforementioned data has not undergone any certification process to validate its adherence to established reporting standards. Consequently, it can not be guaranteed that the included information is accurate, current, or comprehensive in nature. Moreover, it is essential to recognize that this data may be incomplete, outdated, or lacking in proper support. In light of these circumstances, I kindly request the removal of any inaccurate or unsupported content from the aforementioned page. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Obtaining information under false pretense. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in XXXXXXXX XXXX Trans Union CorpXXXX XXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. 

We kindly request your attention to the following account details : XXXX XXXX - XXXX. We would like to bring to your attention that the aforementioned data has not been formally certified to comply with any specific reporting standards. Moreover, it is essential to note that this information may be incomplete, outdated, or lacking sufficient support. In light of this, we sincerely urge for the removal of any inaccurate or unsupported content from the mentioned page. Your cooperation in this matter would be greatly appreciated. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Obtaining information under false pretense. - I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isn't removed ; as in XXXX XXXX Trans Union XXXXrp., No. 95-6445 C.D.Cal. Nov. 14XXXX ), you may be liable for your willful non-compliance. I request validation under 15 U.S. Code 1692g - Validation of debts. If information is not Edit provided or the false reporting isn? t removed ; as in XXXX XXXX Trans Union XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  you may be liable for your willful non-compliance. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I kindly request your attention to the data presented above, which appears to lack proper certification to meet reporting standards. Additionally, it is important to acknowledge that this information may be incomplete, outdated, or unsupported. With utmost respect, I would appreciate your prompt consideration in removing any inaccurate or unsupported material from this page. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY XXXX - XXXX I must express my disappointment as I discovered an inquiry on my credit report that I did not authorize or have knowledge of. As you may know, according to the Fair Credit Reporting Act, such access to my credit information without my permission is not permissible. Therefore, I kindly request that you furnish me with documentation proving that there was a valid and legal reason for this inquiry or take prompt action to remove it from my credit report. Your assistance in resolving this matter would be greatly appreciated. 

INQUIRY - XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY XXXXXXXX XXXX XXXX XXXXXXXX I am writing to express my concern regarding a recent inquiry that has been listed on my credit report. As you are aware, it is not in line with the guidelines set forth by the Fair Credit Reporting Act for any entity to access an individual 's information without their prior consent. 

In this regard, I kindly request that you provide me with sufficient proof of the reasons that allowed the entity to access my credit information. This may include documentation containing my signature indicating that I applied for a loan or line-of-business venture through their organization, along with any other pertinent information that you may have. 

I trust that upon your examination, you will find that these inquiries were not warranted and should be removed from my credit report. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I hope this message finds you well. I wish to bring to your attention a concern regarding my account with INQUIRY and its corresponding XXXX - XXXX. While reviewing my credit report, I came across an inquiry that seems unauthorized and unfamiliar to me. Given the regulations stipulated by the Fair Credit Reporting Act, it is imperative that my personal information remains safeguarded, and access to it should only be granted with explicit permission. In light of this, I kindly request your assistance in providing me with evidence justifying the purpose of this inquiry. Your prompt attention to this matter would be highly appreciated, as it is essential to ensure the accuracy and integrity of my credit report. 

INQUIRY - XXXXXXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I trust this message finds you well. I am writing to bring to your attention a matter concerning my INQUIRY associated with XXXXXXXX XXXX XXXX XXXXXXXX. During a recent review of my credit report, I came across an inquiry that I do not recall having authorized. As you are aware, such an unauthorized inquiry should not be reflected on my credit report, as it is in direct violation of the Fair Credit Reporting Act, which safeguards the privacy of individuals ' information from unauthorized access. I kindly request that you furnish me with substantial evidence detailing the justification for this inquiry. I am confident that, upon review, you will concur that these inquiries have no valid basis for being present on my credit report. 

INQUIRY - XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I have attempted to communicate with INQUIRY XXXX XXXX - XXXX regarding the credit inquiry they placed on my credit profile. Despite my request for the removal of the inquiry and the cessation of their unlawful activities, they have failed to respond. It has been over 30 business days since I sent the letter, and I have not received any communication from their office. 

As a result, I am respectfully requesting your assistance in resolving this matter. Pursuant to the provisions of the Fair Credit Reporting Act, I kindly request that you conduct an investigation into this inquiry on my credit report to determine the identity of the authorizing party. If, following the completion of your investigation, you find merit in my assertion, I request that you promptly remove the unauthorized inquiry from my credit report and provide me with an updated copy of my credit report, which can be sent to the address listed above. 

In the event that you determine the inquiry to be valid, I respectfully request that you provide me with a detailed description of the procedures that were utilized during your investigation within 15 business days of its conclusion. Thank you for your prompt attention to this matter. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY ONEMAIN - XXXX It has come to my attention that an inquiry has been made on my credit file of which I have no knowledge. As per the standard procedure, this should not have been feasible without my prior approval. Therefore, I kindly request that this inquiry be removed from my credit file, or if not feasible, I would require documentation indicating the permissible purpose for the inquiry in accordance with the Fair Credit Reporting Act. 

INQUIRY - XXXX XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I hereby bring to your attention the presence of unfamiliar entities listed in my credit report under the names of INQUIRY and associated with XXXX XXXX - XXXX. I am not acquainted with these companies, and it appears that they have made an inquiry on my credit file without my knowledge or consent. However, it is imperative to note that such inquiries should not be feasible unless prior authorization has been granted by me. In accordance with the Fair Credit Reporting Act, it is mandatory for all users to possess a legitimate and permissible purpose under the aforementioned act in order to access an individual 's credit report. 
Consequently, I kindly request that you promptly remove this inquiry from my credit file. Alternatively, if there exists documentation supporting your possession of a permissible purpose for conducting this inquiry, I would greatly appreciate its provision. 
INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I have recently obtained a copy of my credit report and upon review, I have discovered the presence of credit inquiries made by companies for which I have no recollection of providing authorization. It is my understanding that placing an inquiry on my credit file necessitates explicit consent from my end. Therefore, I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving documented evidence demonstrating that a thorough investigation has been conducted and the aforementioned unauthorized inquiries have been duly eliminated. Your cooperation in addressing this matter would be highly valued. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY - XXXX - XXXX I would like to bring to your attention that the information provided above has not been verified to meet the necessary reporting standards. Its accuracy, completeness, and currency have not been established, and to ensure compliance with consumer protection laws, documentation proving compliance is required. The information supplied is inadequate, and I kindly request the immediate deletion of any incorrect, incomplete, or unsupported data. 

INQUIRY XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I recently obtained a copy of my credit report and was surprised to discover credit inquiries made by companies that I have no recollection of authorizing. As per the established protocols, it is crucial that no inquiries be placed on my credit file without explicit authorization. Therefore, I kindly request the immediate removal of this particular inquiry from my credit file. Additionally, I would highly appreciate receiving comprehensive documentation affirming that a thorough investigation has been conducted and the unauthorized inquiries have been diligently eradicated. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I hope this message finds you well. I am writing to bring to your attention the matter regarding my INQUIRY associated with XXXX - XXXX. Today, upon receiving a copy of my credit report, I came across an alleged hard inquiry that I have no recollection of authorizing. In light of this, I kindly request your assistance in providing documentation pertaining to the credit application, including proof of a signature, to verify the legitimacy of this inquiry. If no such evidence can be provided, I would greatly appreciate an immediate removal of the alleged inquiry from my credit report. 

INQUIRY - XXXX XXXX XXXXXXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I hope this communication finds you well. Today, I received a copy of my credit report and, to my surprise, noticed an alleged hard inquiry associated with my account INQUIRY XXXX XXXX XXXX XXXX. Regrettably, I have no recollection of authorizing such an inquiry, and I am now seeking your kind assistance in providing documentation related to the credit application. Specifically, I request proof of a signature or any supporting evidence that confirms my application for credit with the mentioned company. In the absence of such validating documentation, I earnestly urge you to expeditiously remove the alleged inquiries from my credit report. 

INQUIRY - XXXX - XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

INQUIRY - XXXX - XXXX I am writing to express my deep concern regarding an unauthorized inquiry that appeared on my credit report recently. As you are aware, under the Fair Credit Reporting Act, it is imperative that no one accesses an individual 's information without obtaining their prior consent. Therefore, I would like to request that you provide me with evidence that justifies the presence of this inquiry on my credit report. 

I kindly ask that you furnish me with the necessary documentation that demonstrates the basis for this inquiry, including any relevant details and signatures that confirm that I had indeed applied for a loan or line-ofbusiness venture through the company in question. I believe that upon reviewing the evidence, you will agree that these inquiries were not appropriate and should not have been included on my credit report. 

I would appreciate it if you could resolve this issue promptly and ensure that my credit report accurately reflects my creditworthiness. Please let me know if there is any additional information that you may need from me to resolve this matter satisfactorily. 
INQUIRY - XXXX XXXX XXXX XXXXXXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

I am writing to bring to your attention a matter concerning my credit report associated with the account under the name of INQUIRY and with the account number XXXX XXXX XXXX XXXXXXXX. Regrettably, I find myself unfamiliar with the companies mentioned in the aforementioned report. It appears that an inquiry has been made on my file without my prior knowledge or authorization. I must emphasize that such an occurrence should not be feasible unless it has been duly approved by myself in advance. As per the stipulations of the Fair Credit Reporting Act, it is imperative that all parties seeking access to a credit report possess a permissible purpose under the provisions of the act. Hence, I kindly request the removal of this inquiry from my credit file. Alternatively, I would greatly appreciate receiving documentation that substantiates your permissible purpose for conducting this inquiry. 

I respectfully request the swift removal of any derogatory accounts from my consumer credit reports that are associated with unverified, non-compliant, or fraudulent inquiries. This is especially pertinent if such accounts lack conclusive evidence of their accuracy, completeness, and compliance with regulatory standards, as stipulated by state and federal laws, including the Fair Credit Reporting Act. I remind you of the legal obligation to complete this investigation within the mandated 30-day period. I eagerly await your diligent efforts to ensure accurate, timely, and compliant reporting, resulting in the removal of the specified accounts and the issuance of an updated 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