Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Dear TransUnion, Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting.

Its been that advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX - * - 15 USC 1681e ( b ) Compliance procedures of the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this from my report XXXX  XXXX **** - 15 USC 1666 USC 1666B 12 CFR, 1026.13 Billing Error-Late payments. - Recently I checked my credit report and noticed late payments from your company.

This Edit account is inaccurately reporting payment history. Please update to paid as agreed/ never late CHRYSLRCAP **** - 15 USC 1681e ( b ) Compliance procedures of accuracy the reports. - This account is not reporting completeness and accuracy. Your company is not assuring maximum possible accurate. Please delete this account from my consumer report. As a consumer by law this account must be removed.

1 of 6 XXXX XXXX XXXX I -**** - Under 15 US CODE 1681a ( 3 ) this medical collection is in violation and can't be on my credit report - As a consumer by law this account must be deleted immediately XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
Incorrect Name - XXXX XXXX XXXX - As a consumer by law this account must be deleted immediately Incorrect DOB - XX/XX/XXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX PL, XXXX, GA, XXXX - As a consumer by law this account must be deleted immediately Incorrect Address - XXXX XXXX XXXX XXXX, GA, XXXX - As a consumer by law this account must be deleted immediately EMPLOYER - XXXX XXXX - As a consumer by law this account must be deleted immediately FYI : I am sending this letter in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ). If you choose not to provide the above requested deletion or requested documentation of your investigation, I will pursue the enforcement of my constitutional rights.

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