Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8172915
Complaint Overview
Complaint ID: 8172915
Company: Transunion Intermediate Holdings, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Maryland
ZIP Code: 20785
Date Received: 2024-01-14T12:00:00-05:00
Date Sent to Company: 2024-01-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Legal Department, Not too long ago, I received my credit report from your company. Later looking at it, I found that the information you are stating on some items contains not only invalid and inadequate data, but both inaccurate and incorrect data as well.This data is hurtin me since it is affecting the interest rates that I am able to get and limits my credit capacity. I am distressed that you failed to keep up reasonable methods to assure the most extreme possible legitimate completeness, accurateness and correctness in the credit reports that you give to creditors. This letter is a formal complaint that you are reporting invalid and incomplete account data as well as both inaccurate and incorrect account information. After being informed I heard that there are Federal Laws to ensure credit reporting bureaus such as yours must only report 100 % valid, complete, accurate and correct information on my credit report to potential creditors. Therefore, Pursuant to 15 U.S.C section 1681 ( e ) of the Fair Credit Reporting Act. Upon receipt of this notification The Fair Credit Reporting Act requires you and I am requesting that you verify the following items : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2023 Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX Please remove it from my credit report. 6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 9. This account was CLOSED. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2023 Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. This is nuts that your company can let this data be on my credit profile. This is not my account. I mailed a debt validation letter to this company. They did not reply with what they are supposed to respond with. Please also tell the subscribers who reported these items within 5 days after receiving these disputes, and verify that the person has my full name, address, date of birth, social security number, account number, status, date of last activity, balance, high balance, and amount as applicable. If these disputed data are found to be invalid, incomplete, inaccurate or incorrect, then the entire items must be deleted from my credit report within thirty days. If the validity, completeness, accuracy and correctness can not be verified, you are obligated by law not to change or update the information, but to erase the item permanently from my credit report. Please know that if your response to my request contains any remark such as changed, updated or new information below rather than deleted you are in violation of Federal Law, I will be forced to take further action against you as the Federal Law clearly states that the item must be deleted. When you complete your investigation Pursuant to 15 U.S.C. section 1681 ( i ) ( 7 ) whereby a consumer reporting agency shall provide to a consumer the requested detailed description referred to in paragraph and section ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from a consumer for that description, of the method of verification used and the name of the person at the source you contacted, the furnishers business name, address, phone number and date this verification has transacted. If you can not provide a detailed description of the method of verification and the contact information of the furnisher then you are in violation of procedure and must delete the item. If you dont abide by this request or give an insufficient or incomplete response I will have no other choice but to contact my State Congressional Representative, who will forward this matter quickly to the State Attorney General and Federal Trade Commission for urgent attention and please understand that this letter of dispute is now time stamped. In the event that you continue to list the disputed item on my credit report I will find it necessary to file suit against your company for actual damages and punitive damages under the Fair Credit Reporting Act. Because the Fair Credit. Reporting Act provides concurrent jurisdiction in federal and state courts, I shall elect to use my residency county and state as jurisdiction to bring appropriate action against your company. While I prefer not to file lawsuit, I will utilize the courts as needed to enforce my rights under the FCRA. Also, at the very end of this letter you will see my correct personal data. There shouldnt be any other information appearing on my credit profile. Please remove any incorrect names, addresses, social security numbers, and Date of Birth. I look forward to an uneventful resolution of this matter. Thank You In Advance, Sincerely yours, XXXX XXXX
Frequently Asked Questions
What is Complaint #8172915 about?
Complaint #8172915 was filed against Transunion Intermediate Holdings, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-14T12:00:00-05:00.
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.