Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of United States Code Law Dear, TransUnion LLC Consumer Dispute Center I am writing to address the ongoing violation of the Fair Credit Reporting Act ( FCRA ) and to offer a settlement before pursuing litigation. It is my intention to resolve this matter amicably by requesting the immediate deletion of inaccurate, unverifiable, and invalidated information from my consumer file. Failure to comply with this settlement offer will result in litigation, with all correspondence included as evidence in the pending legal action. A formal complaint will also be submitted to the Federal Trade Commission. 

I must emphasize that you are currently in direct violation of the FCRA, as the unverified items listed below still remain on my credit report. Under the FCRA, it is your responsibility to possess the original creditors ' documentation to verify the accuracy and ownership of the reported information. Despite your claim of verification, you have failed to provide any original documentation or the required method of verification as outlined in Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 7 ) of the FCRA. According to Section 611 ( 5 ) ( A ), it is your obligation to promptly delete any unverifiable information. 

I find it evident that your agency lacks a proper understanding of the FCRA, as evidenced by the numerous errors present on my credit report. Allow me to provide a brief breakdown of the Fair Credit Reporting Act : The Fair Credit Reporting Act is a federal law that governs the collection, reporting, and sharing of credit information about consumers. It establishes rules regarding the acquisition, retention, and disclosure of credit information. 

A violation of the FCRA can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up individuals ' information due to similar names or social security numbers, or when agencies fail to follow guidelines for handling disputes. 

As a consumer, I have the following rights under the FCRA : The right to verify the accuracy of my credit report when it is required for employment purposes. 
The right to receive notification if information in my file has been used against me in credit applications or other transactions. 
The right to dispute and have the credit bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report. 
The right to have outdated negative information removed ( typically after seven years, or 10 years in the case of bankruptcy ).

I demand the immediate deletion of the following items due to their inaccuracy, unverifiability, and invalidation. I have also included the desired outcome for each item : XXXX XXXX XXXX XXXX XXXX XXXX  I am perplexed as to how you continue to verify this account. I have no recollection of any association with this unfamiliar company. Kindly remove this frivolous account from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never engaged in any business relationship with this company, and therefore, this account does not belong to me. I request the immediate deletion of this unknown account from my credit report. 

Account Number : XXXX It is surprising that you were able to verify this account while other bureaus could not and have already removed it from my credit report. Remove this inaccurate information promptly. 

XXXX XXXX  Account Number : XX/XX/XXXX The inquiries related to this account have reached the statute of limitations. 

XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal. 

Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal. 

Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal. 

The following personal information is incorrect : ALSO KNOWN AS : XXXX XXXX The following personal information is incorrect : DATE OF BIRTH : XXXX The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation by not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is forgery and misleading since the courts do not report this type of account. Please remove it from my credit report. 

The following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

The following personal information is incorrect : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your noncompliance with the FCRA exposes you to civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. The law provides remedies, including actual damages, punitive damages, and attorney 's fees ( Section 616 & 617 ), in case of failure to comply with federal regulations. As a litigious consumer, I am fully prepared to enforce my rights under the FCRA through litigation.

Kindly note that you have 30 days to complete the investigation, as stated in Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Additionally, I request the description of the procedure used to determine the accuracy and completeness of the information, to be provided within five days following the completion of your reinvestigation. It is essential to keep a record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including claims for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please be aware that depending on your response, I may choose to publicly disclose any potential issues with your company through an online press release, including documentation of any potential small claims action. A copy of my complaint will also be sent to the following organizations : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints 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