Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Re : Formal Intent to Sue Pursuant to Arbitration Clause in Terms and Conditions Dear TransUnion Legal Department, This letter serves as formal notice of my intent to initiate legal action against TransUnion LLC under the arbitration clause in your Terms and Conditions. This notice provides an opportunity to resolve these matters amicably before I proceed with filing a claim.

After reviewing my consumer report, I have identified multiple violations of federal laws, including but not limited to : 1. 15 U.S.C. 1681e ( b ) : TransUnion has failed to implement reasonable procedures to ensure maximum possible accuracy in my consumer report. This failure has resulted in the continued reporting of inaccurate and outdated information, including bankruptcy and a charge-off XXXX XXXX account. 
2. 15 U.S.C. 1681i ( a ) : TransUnion has verified the XXXX XXXX account as accurate despite its charge-off status, which, per the IRS, qualifies as income. Reporting charge-offs as a debt on a consumer report is unlawful under 12 C.F.R. 1022.1 ( c ), as it misrepresents the accounts nature and constitutes inaccurate reporting. Furthermore, a 1099-C form should have been issued, which would indicate the debt was canceled and no longer collectible.

3. 15 U.S.C. 1666b : TransUnion has refused to remove late payments associated with the XXXX XXXX  account, despite evidence supporting that these payments were disputed in a timely manner and are inaccurate. This refusal violates federal laws governing billing error resolution. 
4. 15 U.S.C. 1681b : TransUnion has allowed unauthorized reporting of personal, non-public information without permissible purpose.

5. TransUnion refuses to accept the FTC report submitted and has mailed multiple letters stating the FTC report is false when, it in fact, is not and was generated on the FTC.gov website as mandated by consumer law. 

The bankruptcy in question was unlawfully obtained from XXXX without my consent and has been repeatedly verified by TransUnion despite evidence that the bankruptcy court does not report to consumer reporting agencies. Additionally, I have issued XXXX a cease-and-desist letter prohibiting the dissemination of my non-public personal information, which they have acknowledged but ignored. 

To resolve this matter and avoid arbitration, I demand the following remedies : 1. Immediate removal of the bankruptcy, XXXX XXXX account, and the XXXX XXXX  late payments from my consumer report. 

2. Cessation of reporting any non-public personal information that lacks a permissible purpose under 15 U.S.C. 1681b.

3. Confirmation of corrective actions in writing, along with an updated copy of my consumer report.

4. Monetary damages in the amount of {$100000.00} for harm caused by these violations, including financial losses and emotional distress. 

XXXX. Reimbursement of any legal fees incurred during this process. 

Furthermore, I will report TransUnion to the IRS for collusion with XXXX XXXX to commit tax fraud and to the FTC for deceptive business practices. 

Please respond to this notice within 15 days from the date of this letter. Failure to address these issues will result in my filing an arbitration claim to seek appropriate remedies under applicable laws.

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