Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations. 


XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX  XXXX. The following personal information is incorrect Account Number : Employers : XXXX  XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 
XXXX Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX Account Number : XXXX Update this account by removing all late payments along with showing paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. XXXX XXXX XXXX XXXX Account Number : XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 12 XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please comply to 15 USC 1692 ( g ) and provide any evidence or Any written consent any written consent bearing my signature that authorize to open an account for me in your company if non then it is my right to make this deleted in my report immediately as today! 

11. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is a US LAW Violation 5 U.S.C. 552a 01 XXXX  XXXX Account Number : XXXX As Consumer by law this account Violated US law and Deleting this on my report Immediately is a must.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



Thank you, 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