Consumer complaint received 2024-11-29 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: GA

Complaint narrative:
Dear TransUnion Rental Screening Solutions ( TURSS ), This is a formal and urgent demand for you to correct the inaccurate resident score of XXXX you reported, as indicated in a denial letter I received from XXXX on XX/XX/year> ( Application Reference Number : XXXX ). This score is not only inaccurate but has caused significant and unjust harm to my ability to secure housing. 

Furthermore, your actions directly violate my rights under the Fair Credit Reporting Act ( FCRA ) and demonstrate a blatant disregard for your legal obligation to ensure accurate reporting. 

If this matter is not addressed immediately, you will face severe consequences for your continued violations of federal law. 

My Demands : 1. Correct my resident score to no less than XXXX within 24 hours, as the reported score of XXXX is demonstrably false. 
2. Overturn the denial of my application at XXXX and confirm this decision to them in writing, stating that the denial was a result of your error. 
3. Cease all reporting of negative or inaccurate information about me in connection with my rental history or creditworthiness.

4. Provide a full explanation of how my resident score was calculated, including every factor contributing to the inaccurate score.

5. Notify me in writing and provide proof of the corrective actions you have taken.

Legal Consequences of Non-Compliance : 1. FCRA 611 ( 15 U.S.C. 1681i ) : You are legally required to investigate and correct all disputed information within 30 daysor risk penalties for non-compliance.

2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Reporting information you know or should know is inaccurate is a violation of federal law and could lead to lawsuits, regulatory penalties, and liability for damages.

3. FCRA 604 ( 15 U.S.C. 1681b ) : Using false or outdated information to create a consumer report is prohibited and punishable under federal law.

4. FCRA 616 and 617 ( 15 U.S.C. 1681n and 1681o ) : You may be held liable for both willful and negligent violations, including statutory damages, actual damages, attorneys fees, and punitive damages.

Urgency of Request : You have 24 hours from the receipt of this email to correct my resident score, overturn the denial of my application, notify XXXX in writing of your error, and provide me with proof of all corrective actions. 

Failure to comply with these demands will leave me no choice but to escalate this matter. I will immediately file formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I will also pursue all legal remedies available to me, including filing a lawsuit for damages caused by your negligence and willful non-compliance. 

This is your final warning. If you fail to act, you will be held fully accountable for the harm your errors and actions have caused. 

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 explanation