Consumer complaint received 2025-01-10 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:
**Request for Human Review and Resolution** To Whom It May Concern, I am formally requesting a human review of my complaints associated with the following complaint IDs : XXXX XXXX XXXX XXXX XXXX, and XXXX These complaints assert clear violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the False Claims Act, and related FTC guidelines. It is critical to note that this request is not about disputing specific accounts, but rather a demand for accountability. I seek the necessary production or deletion of inaccurate information based on the required method of verification mandated by the FCRA. 

Additionally, I emphasize that any attempts by TransUnion to initiate disputes without my explicit consent or to place further verification statements on accounts under investigation will constitute violations of my rights and the False Claims Act. 

I urge both TransUnion and the relevant regulatory agencies to conduct a thorough human review of the situation to facilitate an accurate and just resolution. 

Thank you for your prompt attention to this matter. 

[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXXXXXX  ] [ TransUnion Compliance Department ] [ XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX ] **Re : Notice of Intent to Litigate Violations of the False Claims Act, FCRA, FDCPA, and FTC Guidelines** Dear [ Compliance Department ], I hope this letter finds you well. I am writing to formally notify you of my intention to pursue litigation regarding ongoing and serious violations associated with the following complaint IDs related to TransUnion : XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX. These complaints were filed with the Consumer Financial Protection Bureau ( CFPB ) between XX/XX/XXXX and XX/XX/XXXX, and cite breaches of the False Claims Act, the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable FTC guidelines.

The issues raised in my complaints include : 1. **Lack of Verification for Disputed Tradelines** : Despite my repeated requests for a proper method of verification concerning a tradeline marked as " verified '' with XXXX XXXX , TransUnion has failed to provide the required documentation, violating FCRA requirements. 

2. **Inappropriate Reporting by XXXX XXXX** : While I acknowledge that the false reporting by XXXX XXXX was removed last month through the intervention of the above agencies, this does not absolve TransUnion of its accountability and responsibility. The allowance of this false reporting for over six years has caused me significant harm and distress. I am therefore demanding compensation in the amount of {$50000.00} for the emotional, financial, and reputational damages incurred. 

3. **Inadequate Responses to Complaints** : I have received over 30 pieces of correspondence from TransUnion at my listed address and email address.. However, none of these communications acknowledged or presented the method of verification to support VERIFIED MARKS FROM TransUnion. This inconsistent response further refutes TransUnion claims regarding my credit file status and its requests for further identification verification, despite my accurate and verifiable information ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA, XXXX ). 

The discrepancies and failures outlined above are not merely administrative oversights ; they represent violations of federal laws and protections, including : - **Fa

ir Credit Reporting Act ( FCRA ) ** : 15 U.S.C. 1681, which mandates the responsible dissemination of credit information and accurate reporting.

- **Fair Debt Collection Practices Act ( FDCPA ) ** : 15 U.S.C. 1692, which prohibits the abusive, deceptive, and unfair practices of debt collection agencies.

- **Federal Trade Commission ( FTC ) Guidelines** : As stated in various rulings, including the case of **FTC v. Consumer Defense**, which emphasizes the accountability of consumer reporting agencies to the integrity of the data provided. 

Given the substantial volume of correspondence and the serious nature of the inaccuracies and violations in question, I seek compensation for damages, supported by applicable statutes and case law under the FCRA, FDCPA, and FTC guidelines. 

I demand that TransUnion take immediate corrective actions regarding the serious issues raised. Should I not receive an adequate response within 14 days of the date of this notice, I will not hesitate to escalate this matter through arbitration and further litigation to seek redress for the violations and inaccuracies I have endured. 

This is a serious matter, and I expect your prompt attention. 

Thank you for your cooperation. 

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