Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
A letter was sent to TransUnion requesting a " Method of Verification '' in accordance with the FCRA 611 ( a ) ( 7 ) due to TransUnion 's " Data Furnisher '' LCI refusing to provide me with a " Method of Verification ''. Please see the attached letter dated XX/XX/22 in which, LCI shifted the Method of Verification to TransUnion. I have disputed with LCI and TransUnion regarding an alleged bankruptcy record it has phished from PACER a " Public Database ''. FCRA 611 ( a ) ( 7 ) states that upon request a consumer reporting agency MUST provide the consumer the description of the procedures used and the " Business Name and Address '' it made contact with to verify the " Completeness and Accuracy '' of a reported record. In a letter dated XX/XX/22, TransUnion has refused to provide me with the " Method of Verification '' and stating that it had already completed the investigation, which is FALSE. I have attached a copy of this letter for proof. By refusing to provide me this information TransUnion is violating FCRA 616 ( a ) which states : " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. '' TransUnion or LCI HAS NOT contacted the courts to " VERIFY '' the " Completeness and Accuracy '' of this record. Instead, they are relying on PACER, in which I have disputed information contained in this record, and according to the FCRA, when notified by the CONSUMER, the CRA must conduct a " FULL INVESTIGATION '' by contact the " Originating Source ''. PACER is a database and can not be used as a " VALIDATING SOURCE '' I have attached a letter from the courts who has certified that they DO NOT REPORT to CRA 's. I have also attached two letters from LCI and TransUnion admitting to using only " PACER '' as it's " VALIDATING '' source. I DO NOT wish for a re-investigation of this record, as both TransUnion and LCI has already failed to comply. I am requesting the deletion of this record from my credit file due to TransUnion 's violation of the aforementioned laws and regulations. I have also requested that LCI remove any 'PERSONAL INFORMATION '' from their database as they have no " PERMISSIBLE PURPOSE ''.

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