Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8418337
Complaint Overview
Complaint ID: 8418337
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: Reporting company used your report improperly
State: Texas
ZIP Code: 76401
Date Received: 2024-02-25T12:00:00-05:00
Date Sent to Company: 2024-02-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
VIOLATION 15 USC 1681e(b) ACCURACY OF REPORT; 1681n. CIVIL LIABILTY FOR WILLFULL NONCOMPLIANCE XXXX has violated my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681e(b). On 11/18/2023, I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reported. To this date the only response that I have received was a computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a thirdparty credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA 1681n. Civil liability for willful noncompliance. I informed you of the exact information that was provided inaccurately in my consumer report over 40 days ago. It has been well over 30 days, and you have failed to update, modify, or correct the inaccurate information. Your constant neglect has plunged me into an abyss of adverse effects such as credit card denials, a diminished credit score, and an open-end invitation to be the disgrace of my family. Credit plays a heavy role in my life and your unreasonable reinvestigation procedures is the sole reason I lost my credit abilities. The FCRA contains a maximum possible accuracy standard whenever a Consumer Reporting Agency (CRA) is furnishing my credit, which, is held at a, substantially, higher degree than just accuracy. Unfavorably for me, XXXX has frequently fallen short of the maximum accuracy standard. The information on my XXXX consumer report is furnishing different information (referencing the accounts in this dispute) on your agency compared to the other CRAs; which, creates a misleading representation of me to other creditors and stymied my chances of receiving credit. EXACT INFORMATION FURNISHING INACCURATE ON EACH ACCOUNT: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to, Webster's Third New International Dictionary 1396, 1771 (3d ed. 1961), the term assure maximum possible accuracy is defined as: (To make certain without a doubtIn quantity or highest in degree attainablefalling or lying within the powersfree from mistake or error). Making the accounts listed in this dispute inaccurate under 15 USC 1681e(b). (I) XXXX has published my consumer report to a third party; (II) XXXX failed to conduct reasonable procedures to fix or delete the inaccurate information on my updated consumer report; (III) I have suffered emotionally from my lowered credit score and lost credit opportunities (explained in paragraph 1). I have met all statutory requirements to win a claim against XXXX within federal jurisdiction. The following accounts are furnishing inaccurate information and must be removed from my consumer report under 15 USC 1681e(b) accuracy of report. I demand you remove the inaccurate information from my consumer report instantly under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reportsWhoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than $5,000 or imprisoned not more than one year, or both. Remove false information from my credit as I filed this with FTC for violation. Last Statement: The accounts listed in this dispute are in violation of my rights under 15 USC 1681e(b). For furnishing information inconsistent across each CRA; which, led me to suffer adverse effects of my lowered credit score. The FCRA contains a strict liability standard that requires one violation to invoke liability against a CRA. I do not wish to pursue a lawsuit against your agency currently if you agree to delete the inaccurate information from my consumer report. If this inaccurate information remains, then you leave me no choice but to take matters into my own hands. This is my third request; I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. As you are aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission (see 15 USC 41, et seq.). I will be filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts . You may also be liable for your willful noncompliance. I have requested that you provide proof of the alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. Per 15 U.S. Code 1681i(a)(5)(b)Requirements relating to reinsertion of previously deleted material; If any information that has been deleted from a consumers file pursuant to subparagraph (A) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Thank you for your immediate attention to this matter. I anticipate a swift resolution
Frequently Asked Questions
What is Complaint #8418337 about?
Complaint #8418337 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 2024-02-25T12:00:00-05:00.
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.