Consumer complaint received 2024-08-31 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: CO

Complaint narrative:
I have disputed more than once and asked for written verification of the information and get no response or written prood. 
Subject : Dispute of Inaccurate Credit Report Information Dear [ Credit Reporting Agencys ], I am writing to dispute several inaccuracies on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to accurate credit information under the FCRA, specifically Section 607 ( b ), which states that " If the consumer disputes the accuracy of any item of information contained in his file, the consumer shall be informed promptly of the name, address, and nature of any person who provided that information. '' I am requesting the immediate removal of the following items from my credit report : 1.

2.

3.

Personal Loan Inquiry for Child Support : This inquiry is incorrect and was added without my consent. I have never applied for a personal loan related to child support. Under the FCRA, Section 607 ( b ), I have the right to dispute this inaccurate information and have it investigated.

Bankruptcy Inquiry : The courthouse does not disclose bankruptcy information to credit bureaus. Therefore, I request an explanation of how this inquiry was obtained. This violates the FCRA, as it is inaccurate information that is being reported on my credit report.

All Hard Inquiries : These inquiries were added to my credit report without my knowledge or consent. This is a violation of the FCRA, Section 607 ( b ), which requires that consumers be informed of any person who provided information on their credit report. 
I am also requesting that you provide me with a copy of the credit report investigation summary, as required by the FCRA Section 611 ( b ). This summary should include the results of your investigation and any actions taken to correct the disputed information.

Furthermore, I would like to inform you that the Colorado Consumer Protection Act has recently been amended to increase penalties for violations. Specifically, the act now states that a plaintiff in an individual action may be awarded damages equal to the sum of {$500.00} per violation. 
Additionally, the act allows for class actions to be brought, and damages may be awarded to the class. This legislation strengthens the rights of consumers and underscores the importance of accurate and fair credit reporting. 
I am enclosing copies of my credit reports from all three major credit bureaus. 
Please investigate these disputed items promptly and provide me with a written confirmation of their removal from my credit report within the timeframe specified by the FCRA. 
If you are unable to verify the accuracy of any of these items, I request that you remove them from my credit report until such time as you can provide documentation to support their accuracy. 
Thank you for your immediate attention to this matter. 
Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

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