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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Dear Sir/Madam, I am writing to address your ongoing violation of the Fair Credit Reporting Act ( FCRA ) by failing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final settlement offer before pursuing legal action, with the intention of resolving this matter amicably. If the following listed items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted, I will proceed with legal action in accordance with the FCRA to seek relief and recover the full amount of monetary damages entitled to me under Section 616 and Section 617. Please consider this letter as evidence in any future litigation and as part of a formal complaint to the Federal Trade Commission if compliance with this settlement offer is not met.

I have become aware of your direct violation of the FCRA, as the unverified items listed below still persist on my credit report. According to the FCRA, it is mandatory for you to possess the original creditors ' documentation on file to verify the accuracy of the reported information. However, you have not provided me with any original documentation, including a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the method of verification as mandated by Section 611 ( a ) ( 7 ). Please note that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified. 

I am deeply disappointed to observe your agency 's disregard for the guidelines outlined by the FCRA, as evidenced by the numerous errors present on my credit report. Allow me to provide you with a brief summary of the Fair Credit Reporting Act : The Fair Credit Reporting Act is the primary federal law governing the collection, reporting, and sharing of credit information about consumers. It establishes rules for obtaining, retaining, and sharing credit information, including provisions that protect consumer rights. 

A FCRA violation can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up individuals ' information due to similarities in names or social security numbers, or when agencies fail to handle disputes properly according to guidelines. 

As a consumer, I am entitled to the following rights under the Fair Credit Reporting Act : 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 after seven years ( in most cases ) or ten years in the case of bankruptcy. 
I demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated. I have also specified the desired outcome for each item due to your violation. These items have caused significant distress as I recently applied for extended credit and was denied based on your mistakes : Account involved in litigation " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge-off listed as open, and a collection account with a limit. 

1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Your failure to comply with federal law and respond satisfactorily within 30 days, as required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in a small claims action against your company. This action would seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury I would also like to draw your attention to the fact that, depending on your response, I may publish any potential issues with your company in an online public press release, including documentation of any contemplated small claims action. I have attached a copy of my complaint to the organizations listed below for your reference : 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 Generals 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 Please be advised that I expect a response to this letter within 30 days. Additionally, I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, to be provided within 5 days after the completion of your re-investigation. I must emphasize that I do not consent to e-Oscar or any means of automated verification. 

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