Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #12832663
Complaint Overview
Complaint ID: 12832663
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: Texas
ZIP Code: 773XX
Date Received: 2025-04-04T12:00:00-05:00
Date Sent to Company: 2025-04-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : FINAL NOTICE IMMEDIATE CORRECTIVE ACTION REQUIRED TO AVOID LEGAL PROCEEDINGS To Whom It May Concern, This correspondence serves as formal and final notice regarding your companys willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 1681o. Your continued failure to accurately report, investigate, and correct erroneous information on my credit file has resulted in substantial financial harm, emotional distress, and repetitional damage, for which I am prepared to seek legal remedies, including monetary damages and injunctive relief. LEGAL VIOLATIONS & FAILURE TO COMPLY WITH FEDERAL LAW As a consumer, I am entitled to a fair and accurate credit report, as mandated by the FCRA. Your blatant disregard for federal consumer protection laws constitutes multiple violations, including but not limited to : Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) Your agency has reported false, misleading, and erroneous information-despite prior disputes, violating your legal duty to ensure credit file accuracy. Failure to Conduct a Proper Reinvestigation 15 U.S.C. 1681i ( a ) Upon receiving my dispute, you were legally required to conduct a reasonable reinvestigation. Instead, you have failed to provide a substantive response or take corrective action, further compounding your violations. Failure to Correct Errors Within the Mandated Timeframe 15 U.S.C. 1681i ( c ) The FCRA mandates that disputed information must be corrected or removed within 30 days. Your failure to comply has resulted in ongoing financial harm and damage to my creditworthiness. Failure to Provide Verification of Accounts 15 U.S.C. 1681i You have neglected to furnish documented proof of verification for the disputed accounts, demonstrating your continued reckless disregard for consumer rights and FCRA obligations. Willful and Negligent Noncompliance 15 U.S.C. 1681n & 1681o Your companys reckless indifference-toward compliance with federal law makes you legally liable for actual damages, statutory damages, punitive damages, and attorneys fees. DEMAND FOR IMMEDIATE REMEDY & COMPENSATION Due to your deliberate and ongoing violations of the FCRA, I am formally demanding the following actions be taken 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 damages incurred due to your noncompliance. Pursuant to 15 U.S.C. 1681n, I am entitled to statutory damages of {$1000.00} per violation, in addition to actual damages for financial harm suffered. Based on my records, I have identified 18 separate violations, totaling {$18000.00} in damages. FINAL WARNING BEFORE LEGAL ACTION Failure to comply within 15 days from the date of this letter will result in immediate legal action being taken against your company. This includes but is not limited to : Filing a lawsuit in federal court to seek damages, injunctive relief, and attorneys fees for your continued violations of the FCRA. Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your persistent noncompliance. Seeking judicial intervention to compel compliance and impose punitive measures for your willful disregard of consumer rights. This letter constitutes your final opportunity to resolve this matter before I escalate legal proceedings. I urge you to take immediate corrective action. A written response confirming compliance with my demands is required within 15 days of receipt. This matter is non-negotiable. Should you fail to act accordingly, I will have no alternative but to pursue full legal recourse to the fullest extent permitted by law. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12832663 about?
Complaint #12832663 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 2025-04-04T12:00:00-05:00.
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.