Consumer complaint received 2025-01-20 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: NE

Complaint narrative:
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TransUnion
XXXX  
Subject: Formal Request for Validation of Debt, Deletion of Inaccurate Information, and Compliance with Federal Law

Dear Credit Bureau,

I am writing to formally request the immediate removal of inaccurate information, unauthorized hard inquiries, and other derogatory items from my credit file. In addition, I am requesting validation of any debts and certified copies of original contracts to ensure compliance with federal law. Below, I outline the specific statutes and violations relevant to this request.

Accounts and Hard Inquiries in Question:

I List the accounts, charge-offs, repossessions, medical debts, evictions, late payments, or other inaccuracies.

Pursuant to 15 U.S. Code  1681 (2)(i) and 15 U.S. Code  1666b, the creditor may not report or treat payments as late without proper documentation. Furthermore, under 15 U.S. Code  1692c, 15 U.S. Code  1692g, and 15 U.S. Code  1681e(b), credit reporting agencies are required to maintain accurate information and must validate disputed items.

Key Legal Violations and Requests for Deletion:
	1.	Hard Inquiries and Data Breaches:
		18 USC 1028A prohibits unauthorized use of personal data, and 15 USC 1681b (a)(2) requires written authorization for credit checks. Hard inquiries that lack my consent must be deleted immediately.
	2.	Collections and Medical Debt:
		15 U.S. Code  1692g requires validation of any debt.
		Delete Medical Debt per guidelines under 15 U.S. Code  1681b (a)(2) and 12 CFR 1026.13 (Billing Error Resolution).
	3.	Charged-Off Accounts and Repossessions:
		15 U.S. Code  1635, 15 U.S. Code  1692g, and 15 U.S. Code  1681b (a)(2) mandate the removal of inaccurate or unverifiable charge-offs and repossessions.
	4.	Evictions:
		15 U.S. Code  1637(2)9A) and 15 U.S. Code  1681s-2 (aX3) require eviction records to be accurate and removed if not verified.
	5.	Bankruptcy and Privacy Violations:
		Bankruptcy records must comply with 15 U.S. Code  1681(c)2, which prohibits the furnishing of inaccurate or outdated information.
		15 U.S. Code  1681 Section 602 and 15 USC  1681 Section 604(a)(2) guarantee my right to privacy and prohibit reporting without written instructions.
	6.	Late Payments:
		15 U.S. Code  1660(b) and 15 U.S. Code  1631(a) state that late payments cannot be reported unless properly verified.

Key Federal Laws Supporting My Claims:
		15 USC  1681i(a)(6)(B)(iii): Requires reinvestigation of disputed items.
		15 U.S. Code  1681e(b): Mandates maximum accuracy in reporting.
		15 USC  1681s-2(a)(3): Prohibits reporting information known to be inaccurate.

Actions Required:
	1.	Delete all inaccurate information: Hard inquiries, charge-offs, late payments, medical debt, repossessions, and evictions must be removed from my credit file immediately.
	2.	Provide proof of validation: Send certified copies of original contracts and itemized validation of any disputed debts.
	3.	Correct reporting errors: Ensure compliance with 15 USC 1681B (Permissible Purpose) and other relevant laws.
	4.	Confirm action within 4 days: Notify me in writing of the actions taken to address these inaccuracies.

Statement of Impact:

The ongoing reporting errors have significantly harmed my ability to obtain loans, housing, and other necessary financial resources to support my family and business. If these errors are not resolved promptly, I will pursue further action, including complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and legal recourse under applicable laws.

Thank you for your immediate attention to this matter. Please send written confirmation of your actions to the address listed above.

Sincerely,
XXXX XXXX XXXX XXXX 
by:__________________________________

Attachments:
		Highlighted Credit Reports
		Proof of Identity
		Supporting Documentation

To Whom It May Concern:
Noticed the agent noticed the principal
Creditor or Collection Agency Name


Subject: Debt Validation Request for Accounts and Hard Inquiries

Re: Account Numbers and Inquiries

I am writing to formally request validation of all debts and inquiries listed below under the provisions of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). I am disputing these debts and inquiries because I do not recognize or acknowledge them. I request that you provide the following for each:
	1.	Proof of the original signed contract or legal obligation for the debt.
	2.	Complete payment history, including details of how the debt amount was calculated.
	3.	Verification of your legal authority to collect the debt in my state.
	4.	Copies of any correspondence showing that I was notified of this debt.
	5.	Any records of communication that validate my agreement to the inquiry.

The accounts and inquiries in question are as follows:

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Hard Inquiries:
List inquiries here, including names, dates, and contact information from your records.

I request that these debts and inquiries be investigated and validated within 4days. If you cannot provide the documentation requested above, I ask that the debts and inquiries be removed from my credit report immediately.

Additionally, please cease all collection activities and communication with me unless it pertains to providing the requested documentation.

Please send all correspondence regarding this matter to my address listed above.

Thank you for your prompt attention to this matter.

Sincerely,
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 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 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 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  
Re: Notice of Dispute under 15 U.S.C.  1681i and 18 U.S.C.  1961
Account Dispute  Request for Investigation

I am writing to formally dispute inaccurate information listed on my credit report. I have reviewed my credit report and have found inaccuracies that violate my rights under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, and potential fraudulent activities that could implicate violations under 18 U.S.C.  1961.

The following details highlight the issues that need to be investigated:
		Briefly explain the error(s) and why you believe the information is incorrect.

I am requesting that you investigate the dispute(s) promptly and correct the information accordingly. Please provide me with a complete copy of the investigation results within the time limits set by law.

Furthermore, if any illegal or fraudulent activity is found during your investigation, I expect you to report this to the appropriate authorities immediately, as this may involve violations under federal law.

Please acknowledge receipt of this dispute in writing, and confirm the investigation process. I reserve the right to take legal action if this matter is not resolved promptly and in accordance with the FCRA and other applicable laws.
It had been hindering me for getting home and hindering from providing for my family my family are in need and Ive been not been able to get jobs due to my credit score and I would like this information remove and I also have talked to the credit bureau to remove this information several times and I also would like this information would be that it will be removed less than 24 hours to 4 days
It been a lifetime and experience. I have not been able to get move forward in life because it is information that reported to my create a report. 

I have attached the following documents for your review:
		Include any supporting documents, such as credit reports, identification, etc.

Thank you for your immediate attention to this matter. I look forward to your timely response.

Sincerely,
byXXXX XXXX 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