Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12626397
Complaint Overview
Complaint ID: 12626397
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Georgia
ZIP Code: 30114
Date Received: 2025-03-22T12:00:00-05:00
Date Sent to Company: 2025-03-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute of Inaccurate Credit Reporting Urgent Action Required To Whom It May Concern, I am writing to formally dispute the inaccurate and erroneous information that your company has reported on my credit file. Despite my previous attempts to have these issues addressed, your continued failure to investigate and correct the inaccuracies constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 1681o. The ongoing presence of this incorrect information has caused significant financial harm, emotional distress, and repetitive damage. If this matter is not promptly resolved, I will be compelled to seek legal remedies, including financial compensation and injunctive relief. VIOLATIONS OF THE FAIR CREDIT REPORTING ACT As a consumer, I have a legal right to a fair and accurate credit report. Your failure to adhere to federal law has resulted in multiple violations, including but not limited to : 1. Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) : * Despite prior disputes, your agency has continued to report false and misleading information, failing to uphold your duty to maintain accuracy in credit reporting. 2. Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) : * Upon receiving my dispute, you were required to conduct a reasonable reinvestigation. However, you have failed to take corrective action or provide a substantive response. 3. Failure to Correct Errors Within the Required Timeframe 15 U.S.C. 1681i ( c ) : * The law mandates that disputed information must be corrected or removed within 30 days. Your inaction has led to continued financial and credit damage. 4. Failure to Provide Verification of Accounts 15 U.S.C. 1681i : * You have not furnished any documented proof of verification for the disputed accounts, demonstrating a disregard for consumer rights and FCRA obligations. 5. Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o : * Your failure to comply with federal regulations renders you legally liable for damages, including statutory and punitive damages, as well as attorney fees. DEMAND FOR IMMEDIATE RESOLUTION To rectify these violations, I formally demand the following actions be completed within 15 days : * Immediate removal of all disputed, inaccurate, and unverified accounts from my credit file. * A complete record of any documentation used to verify the reported information, including original signed agreements and proof of my consent. * Monetary compensation for the financial harm I have suffered due to your noncompliance. Under 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} per violation, in addition to actual damages incurred. Based on my records, I have identified [ See attatched ] violations, totaling $ [ see attatched ] in damages. FINAL NOTICE BEFORE LEGAL ACTION If you do not comply with my demands within 15 days, I will take the following steps : * Initiate legal proceedings to seek damages, injunctive relief, and attorneys fees for your ongoing violations of the FCRA. * File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office to report your noncompliance. * Pursue legal action to compel corrective measures and impose penalties for your continued disregard of consumer rights. This letter serves as your final opportunity to resolve this matter amicably. A written response confirming compliance with my demands is required within 15 days of receipt. Failure to act will leave me with no choice but to pursue all available legal options. Sincerely, [ Your Name ]
Frequently Asked Questions
What is Complaint #12626397 about?
Complaint #12626397 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-03-22T12:00:00-05:00.
How did Transunion Intermediate Holdings, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Transunion Intermediate Holdings, INC.?
Yes, visit the Transunion Intermediate Holdings, INC. company profile at readthecomplaint.com/company/transunion-intermediate-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.