Consumer complaint received 2025-03-17 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:
This is my SECOND WRITTEN REQUEST regarding the unresolved issues on my credit report. The items listed below remain in my report in violation of Federal Law, specifically the Fair Credit Reporting Act ( XXXX  ). Under the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify that this information is mine and accurate. 
In your initial investigation, you indicated that you " verified '' these items are being " reported correctly. '' I request clarification : Who verified these accounts? Additionally, you have not provided me with any of the original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) and Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA, which mandates that you provide a copy of a consumer contract bearing my signature. Under Section XXXX ( XXXX ) ( A ), the FCRA requires that you promptly DELETE all information which can not be verified. 
I believe this constitutes a violation of the FCRA, XXXX XXXX XXXX, XXXX XXXX XXXX ( b ), and XXXX XXXX XXXX ( b ). Specifically, I am disputing incorrect address information, inaccurate late payments, and charge-off accounts that do not belong to me. 
The law is clear regarding the civil liability and available remedies for " negligent noncompliance '' ( Section XXXX ). If you fail to comply with these requirements, I am prepared to pursue litigation to enforce my rights under the FCRA. 
Incorrect Address : My credit report currently lists addresses that don't belong to me : XXXX. XXXX XXXX XXXX Apt XXXX, XXXX, GA XXXX Dont belong to me Remove from my credit report Incorrect Phone number : XXXX. ( XXXX ) XXXX Dont belong to me Remove from my credit report XXXX XXXX : XXXX. Sprinkler Dont work here Remove from my credit report XXXX XXXX Accounts : My credit report currently lists late payments. I have never had any late payments on these accounts. 
XXXX. XXXX  XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX. XXXX  XXXX ( XXXX ) - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX  XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX Accounts : My credit report currently lists accounts that do not belong to me. 
XXXX. XXXX ( XXXX ) Inaccurate and Unverified collections accounts : My credit report currently lists inaccurate and unverified information on accounts XXXX. XXXX XXXX Delete Account Removed from other credit bureaus. 
XXXX. XXXX XXXX Delete Account Removed from other credit bureaus Inquiries : My credit report currently lists inquiries I didnt consent to. 
XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX Credit XX/XX/XXXX XXXX. XXXX XXXX via XXXX XXXX XX/XX/XXXX This inaccurate information is the result of identity theft and is significantly harming my XXXX XXXX. I request that you immediately investigate these discrepancies and remove all incorrect address information, closed accounts with recent activity, and disputed late payments from my credit report. 
This letter serves as a formal request to investigate and correct these inaccurate items in accordance with XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act. As required by the XXXX, I expect you to re-verify each of these items and remove any inaccuracies from my report. 
Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from receiving this letter to re-verify these entries. If you fail to re-verify these items within the required time frame, they must be removed from my credit report. Under XXXX XXXX Section XXXX ( d ), I request that you notify me once these items have been deleted. Additionally, per XXXX XXXX Section XXXX, there should be no charge for providing a corrected copy of my report or for the notification of these changes. 
Finally, please provide me with the names and contact details of all individuals or entities you have contacted regarding these disputes so I XXXX follow up directly if necessary. 
Thank you for your prompt attention to this matter. I expect your response and resolution without delay. 
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