Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2024 I sent a complaint via CFPB to XXXX advising that creditors listed below has violated my rights and to conduct a re-investigation into this account.On XX/XX/2024 XXXX responded via CFPB saying that there investigation is completed and verified as accurate. I looked at my consumer reports on today XX/XX/2024 and I've notice the accounts are still INACCURATE and there is still large discrepancies and information mismatch reporting on my credit report. According to 15 USC 1681i-Procedure in case of disputed accuracy theyre suppose to update or modify or delete those accounts ; If, after any reinvestigation 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 and according to 15 USC 1681 ( e ) ( b ) Theyre suppose to assure MAXIMUM possible ACCURACY!! 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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.

A person shall not furnish information related to a consumer to any consumer reporting agency IF the person knows or has REASONABLE cause to believe the information is INACCURATE. XXXX really did not do a thorough RE-INVESTIGATION on my accounts they LIED on official documents saying that they verified and investigated these accounts as accurate and they DID NOT!! I have EVIDENCE to prove my case otherwise ; I want these INACCURATE accounts DELETED from my consumer reports due to INCOMPLETE INFORMATION and them lying saying they did a thorough investigation and they did NOT!! 

Creditor : XXXX XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX XXXXt # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX XXXX XXXX Account Number XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX  Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX XXXX Account Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. \nCreditor : XXXX XXXX Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX Number # XXXX In Accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You have damaged my reputation; you have a Duty : a moral or legal obligation ; a responsibility.

Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. I need this account Re-investigated and REMOVED ; DELETE this Erroneous, inaccurate account from being furnished on my Consumer report!! THIS IS MY FINAL WARNING I HAVE ATTACHED THE MANY INACCURACIES AND HIGHLIGHTED PROOF THAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD BE DELETED IMMEDIATELY!!

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