Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Pending Litigation Seeking Relief and Monetary Compensation under FCRA ( 15 U.S. Code 1681n Civil liability for willful noncompliance, 15 U.S. Code 1681o Civil liability for negligent noncompliance, and 15 U.S. Code 1692k civil liability ) Dear TransUnion LLC Consumer Dispute Center, I am writing to you with regard to the continued violation of the Fair Credit Reporting Act ( FCRA ) by TransUnion LLC, specifically concerning your refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before litigation, in an attempt to amicably resolve this matter and avoid further legal action.

It has come to my attention that you are in direct violation of the FCRA, as the following unverified items remain on my credit report in violation of federal law. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. However, despite your investigations, you have failed to provide me with any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). It is important to note that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified.

I must emphasize that your agency 's lack of compliance with the FCRA is evident from the errors present on my credit report. As a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act, which include the following : The right to verify the accuracy of my report when it is required for employment purposes.

The right to receive notification if information in my file has been used against me in applying for credit or other transactions.

The right to dispute, correct, and delete incomplete, inaccurate, and unverifiable information in my report.

The right to have outdated, negative information removed from my credit report after the appropriate time period has passed. 
I demand that the following items be deleted immediately, as they are either inaccurate, unverifiable, or invalidated : The following personal information is incorrect : DATE OF BIRTH : XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CA XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Account involved in litigation, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge-off listed as open, collection account with a limit XXXX XXXX XXXX Account Number : XXXX Account involved in litigation, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge-off listed as open, collection account with a limit : XXXX XXXX Account Number : XXXX No late payments made on this account. Account is paid as agreed. Please remove the late payment : XXXX XXXX  Account Number : XXXX Account involved in litigation, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late pay, charge-off listed as open, collection account with a limit : XXXX Account Number : XXXX The following personal information is incorrect : NAME : XXXX XXXX XXXX XXXX XXXX personal information is incorrect : NAME : XXXX XXXX XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Your failure to comply with this request within 30 days of receipt of this certified letter will result in legal action, as provided for in the Fair Credit Reporting Act. I will seek relief and monetary compensation under Section 616 and Section 617 of the FCRA for the violations outlined above.

Please be aware that I am keeping a careful record of your actions, including your method of verification. I do not consent to e-Oscar or any means of automated verification. As per the FCRA Section 611 ( a ) ( 1 ) ( A ), I also request the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within five days of the completion of your re-investigation.

Failure to respond satisfactorily within the given time frame may result in a small claims action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury.

Please be advised that depending on your response, I may publicize any potential issues with your company through an online press release, including documentation of any potential small claims action. Copies of this letter will be sent to the relevant organizations mentioned in the CC section below. 

Thank you for your immediate attention to this matter. I expect a prompt resolution to this dispute and the deletion of the aforementioned items from my credit report. 

Sincerely, XXXX XXXX

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