Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to bring to your attention a matter of utmost importance concerning a potential violation of the Fair Credit Reporting Act ( FCRA ), by these consumer reporting agencies. 

ACCOUNTS THAT ARE SUBJECT FOR REMOVALS : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -> # XXXX This account has been REMOVED from XXXX & XXXX as of XX/XX/2024, and is no longer visible on my credit report. However, you still continue to furnish this invalid information. I demand that this account be DELETED immediately on my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On the Account Type - Detail : TransUnion & XXXX shows XXXX XXXX but XXXX tagged it as Unknown-INACCURATE REPORT!!! 

On the Date Opened : TransUnion shows 2nd week of XXXX, yet XXXX & XXXX XXXX of XXXXINACCURATE REPORT!!! 

On the Date Last Active : TransUnion XXXX XXXX shows XXXX, but XXXX sais it's in XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : TransUnion XXXX XXXX shows XXXX, however, XXXX says it's in XXXXINACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been REMOVED from XXXX as of XX/XX/2024, and is no longer visible on my credit report. However, you continue to furnish this invalid information. 
On the Account Type - Detail : TransUnion shows Credit Card but XXXX tagged it as Unknown-INACCURATE REPORT!!! 

On the Date Opened : TransUnion shows 2nd week of XXXX, yet XXXX XXXX of XXXX-INACCURATE REPORT!!! 

On the Date Last Active : TransUnion shows 2nd week of XXXX, but XXXX shows XXXX week in XXXXINACCURATE REPORT!!! 

On the Date of Last Payment : TransUnion shows XXXX, however, XXXX declares XXXXINACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  On the Account Type - Detail : TransUnion & XXXX shows a Credit Card but XXXX tagged it as Unknown-INACCURATE REPORT!!! 

On the Date Opened : TransUnion shows 2nd week of XXXX, yet XXXX & XXXX were XXXX of XXXXINACCURATE REPORT!!! 

On the Date Last Active : TransUnion shows 2nd week of XXXX, XXXX on 1st week of XXXX while XXXX shows 1st week of XXXX-INACCURATE REPORT!!! 

On the Date of Last Payment : TransUnion XXXX XXXX shows XXXX, however, XXXX declares XXXX-INACCURATE REPORT!!! 

-INACCURATE REPORT!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -UNKNOWN ACCOUNT EXISTENCE. NO VALIDATION OF DEBT. 
-INACCURATE REPORT!!! 

This only shows that the investigation they have conducted was ineffective, inefficient, and lacks proof and accuracy. They are clearly reporting information with actual knowledge of errors. As per my knowledge about the laws set by the Congress ; A person is not allowed to furnish any information about a consumer to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. 

A person is prohibited from furnishing information about a consumer to a consumer reporting agency if the person has been notified by the consumer, at the specified address for such notices, that specific information is inaccurate. 

These provisions are in place to ensure that accurate information is reported to consumer reporting agencies and to address inaccuracies promptly after notification by the consumer. If a violation of these provisions is suspected, it may be appropriate to seek legal advice or contact relevant authorities for resolution. 

I wish these inaccurate derogatory items will all be removed from my files. 

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 non-monetary relief