Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Request for Compensation Due to FCRA Violations and Resulting Damages To Whom It May Concern, I am submitting this formal request to the Consumer Financial Protection Bureau ( CFPB ) regarding significant damages I have suffered due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion LLC. These violations have caused financial harm, undue stress, and reputational damage, for which I seek fair compensation. 

Nature of Violations Upon reviewing my credit report, I identified several FCRA violations, including : Reporting inaccurate and outdated information. 
Failure to investigate and correct disputed inaccuracies within the legally mandated 30-day period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
Re-inserting previously removed negative items without proper notification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Providing incorrect information to third parties, resulting in financial and reputational harm.

Repeated denial of my request for a copy of my consumer credit report, violating my rights under 15 U.S.C. 1681g ( a ). 
Failure to properly notify me and the Federal Trade Commission ( FTC ) regarding updates and continued reporting of disputed items, despite my requests for their removal. 

Damages Incurred Due to these violations, I have suffered the following damages : Financial harm, including increased interest rates, denied credit applications, and lost financial opportunities. 
Emotional distress, stemming from the frustration and stress caused by the continued reporting of inaccurate information. 
Reputational damage, which has affected my ability to secure loans, housing, and other financial services. 

Attempts to Resolve I have taken the necessary steps to dispute these inaccuracies with the respective credit bureaus and creditors. Despite my efforts, they have failed to comply with the FCRA and correct these errors. I have also served them a Notice of Intent to Sue for their violations, yet no resolution has been provided. 

Legal Obligation to Respond Within 15 Days Under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ), if additional information is provided regarding a dispute, the credit bureau must respond within 15 days. Given the ongoing nature of these violations and my repeated efforts to resolve them, I am invoking my legal right to demand resolution within this timeframe. Failure to comply will be further evidence of willful noncompliance, which may entitle me to additional damages under 15 U.S.C. 1681n. 

Furthermore, in TransUnion LLC XXXX XXXX, XXXX. XXXX ( decided XX/XX/scrub> XXXX XXXX  ), the Supreme Court reinforced that consumers must suffer concrete harm to have standing under the FCRA. My case clearly demonstrates such harm, including financial and reputational damage, aligning with the precedent established in this ruling. 

Request for Compensation Given the significant impact these violations have had on my financial well-being and overall quality of life, I respectfully request that the CFPB take action to ensure I am compensated for these damages. Under the FCRA, consumers are entitled to : Statutory damages of up to {$1000.00} per violation. 
Actual damages for financial and emotional harm suffered. 
Punitive damages where willful negligence is established. 
I am seeking compensation in the amount of {$4000.00} to cover the damages I have suffered. I urge the CFPB to intervene and hold the responsible parties accountable to prevent further harm. 

Conclusion I trust that the CFPB will take this matter seriously and advocate for my rights under the FCRA. I appreciate your prompt attention to this issue and request a response within 15 days from the receipt of this letter. 
Please feel free to contact me at your earliest convenience to discuss this matter further. I look forward to your resolution and assistance in securing the compensation I am legally entitled to. Here are the accounts disputed with the cfpb XXXX 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