Consumer complaint received 2024-06-10 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: TX

Complaint narrative:
XX/XX/XXXX : CFPB In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681EB. 
The following TRANSUNION INFORMATION IS INACCURATE : I HAVE SENT LETTERS OF DISPUTE ON THE FOLLOWING DATES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND NOTHING HAS BEEN DONE, SO I RESORT TO YOU FOR ASSISTANCE VIOLATIONS AND UNDELETED INACCURACIES AS FOLLOWS VARIOUS USES OF THE INACCURATE ALIAS NAME : XXXX XXXX XXXX, these aliases have never been my legal name. I have notified TRANSUNION many times and they fail to remove and leave only my Legal accurate name in violation of 1681s of 1681s-2 My correct name is XXXX XXXX XXXX have submitted documents to TransUnion. 
VARIOUS ADDRESSES I HAVE NEVER LIVED IN ARE NOT BEING REMOVED even in violation of 1681s-2 ; after I expressed in writing that this was inaccurate. 
My Correct and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate EMPLOYERS listed on TRANSUNION : XXXX XXXX XXXX- DELETE REQUESTS DENIED BY TRANSUNION PRIVATE DELETE REQUESTS DENIED BY TRANSUNION I do not know who this EMPLOYER is and it can be identify fraud, I need it DELETED. 
ACCOUNTS Account name : XXXX XXXX XXXX XXXX XXXXXXXX **** {$3200.00} HIGH BALANCE {$51000.00} CHARGED OFF / SENT TO TWO DIFFERENT COLLECTION COMPANIES I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. Transunion nor this entity. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$37.00} CHARGED OFF/ I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. Transunion nor this entity. 
Account Name : XXXX XXXX XXXX XXXX XXXXXXXX $ Unknown CHARGED OFF/ I do not know this creditor, I was not contacted by this creditor regarding this alleged debt. 
I have not gotten any form of validation for this alleged debt. 
I have not gotten any 1099-C from anyone. TransUnion nor this entity. 


15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Inquiries INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : Creditor Name Date of Inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion INACCURATE INQUIRIES WERE NOT REMOVED PER MY REQUEST AND THEY DO NOT HAVE WRITTEN CONSENT NOR PERMISSIBLE PURPOSE TO BE REPORTED 15USE1681b permissible purpose : TRANSUNION AND THE ABOVE CREDITORS I believe has violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my TRANSUNION credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I believe this information is inaccurate Delete all the accounts and the inquiries listed above from my credit report because they are multiple violations of The Fair Credit Reporting Act. I am requesting monetary damages for each violation above in the amount of {$1000.00} per violation- due to these intentional acts by TRANSUNION . 
The poor reporting and malicious negligence of TRANS UNION has caused damage to my way of life and has been detrimental when applying for consumer products and the other party sees me poorly when evaluating the credit worthiness, credit standing, credit capacity, has caused damage to my character, and damaged my general reputation and is a disrespect for this consumers right to privacy. I have been communicating with Transunion for over 2 years and nothing has been done to correct these Federal Violations by trans union.

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