Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
To Whom It XXXX Concern : This letter serves as formal final notice that I intend to file binding arbitration through the XXXX XXXX XXXX XXXX XXXX ) against Experian due to the ongoing and willful reporting of false, incomplete, and unverifiable information regarding the XXXX XXXX XXXX ( CAC XXXX XXXX loan account. 

Below are all violations I am citing and seeking XXXX  for, based on federal law, state XXXX statutes, and industry compliance standards : FULL LIST OF VIOLATIONS FCRA Violations XXXX. XXXX XXXX. XXXX ( b ) Failure to Report with Maximum Possible Accuracy Reporting an open XXXX  loan that was repossessed in XX/XX/XXXX Reporting an inflated balance and inaccurate post-repo late payments Reporting increasing balances with no ongoing payment activity XXXX : {$1000.00} XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to XXXX a Reasonable Reinvestigation Experian failed to properly investigate multiple disputes with supporting evidence Damages : {$1000.00} XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) Re-insertion of Deleted or Corrected Information Without Proper Notice If the tradeline was previously modified or removed and reinserted, no notice was sent XXXX  : {$1000.00} XXXX. XXXX XXXX. XXXX ( b ) Failure to Modify or Delete Inaccurate Info After Notification by Consumer Experian continued to verify inaccurate information even after receiving multiple disputes Damages : {$1000.00} XXXX. XXXX XXXX. XXXX Failure to Provide Complete File Upon Request Lack of clarity in response to disputes regarding how or by whom data was verified Damages : {$1000.00} XXXX. XXXX XXXX. XXXX Reporting Obsolete or Legally XXXX Information False post-repossession payments and an open balance after CAC failed to provide a XXXX Damages : {$1000.00} XXXX. XXXX XXXX. XXXX ( c ) Failure to Include Consumer Statement of Dispute Experian failed to attach a proper consumer statement or flag the tradeline as disputed by consumer Damages : {$1000.00} XXXX XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Guidelines Inaccurate Account Status Reporting Reporting the CAC account as open when it is charged off and the vehicle repossessed Reporting false payment activity, increasing balances, and inflated amounts owed Damages : {$1000.00} XXXX XXXX XXXX XXXX Violations ( via duty of accuracy under FCRA ) XXXX. Michigan XXXX XXXX No Pre-Sale Notice of Repossession CAC failed to provide a proper pre-sale notice in compliance with Article XXXX Any deficiency balance reported without this is invalid Damages : {$1000.00} XXXX. Michigan XXXX XXXX No Post-Sale Accounting Statement No proper itemization or post-sale notice provided to support the remaining balance Reporting such information violates Experians duty of accuracy Damages : {$1000.00} XXXX. Failure to Validate or Verify Account Status After Repossession CAC verbally confirmed the account is still open in XX/XX/XXXX, which is false ; this misrepresentation continues to be reported Damages : {$1000.00} Other Harm & Damages XXXX. XXXX XXXX XXXX XXXX  I was denied credit, delayed auto loan approval, and suffered XXXX XXXX XXXX XXXX XXXX addressing this false reporting Damages : $ XXXX Total Damages Sought : $ XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Notice Before Arbitration Filing If Experian does not delete the inaccurate Credit Acceptance tradeline and XXXX this action in writing within XXXX business days by XX/XX/XXXX I will proceed to file my arbitration case with the XXXX citing multiple FCRA violations, XXXX XXXX  breaches, and financial XXXX 

You XXXX respond in writing or to my email at XXXX. 

Sincerely, 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