Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX TransUnion Intermediate Holdings was sent notification below regarding verifying information on my credit report. I am in receipt of your correspondence on XXXX regarding verifying information on my credit report. Interesting there are still errant account information on my credit report and they need to be removed. 

TransUnion there are still errant account Information on my credit report, and they need to be removed. By law, these accounts must be removed from my credit report if it is not validated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you ( TransUnion Intermediate Holdings, Inc ) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone ( commercial customer ) paying for your reporting services could fax, mail or email in a fraudulent account. 

Please send the following information used to verify the validity of accounts listed below XXXX XXXX, # XXXX, No Contract, XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, No Contract The Name of the Original Creditor The Original Creditors address & telephone number The name of the person ( XXXX ) you verified the disputed information with The certified documentation used to conclude your investigation The documents and all correspondence information that was transmitted to and from the data furnisher ( alleged Creditor ) as part of the investigation In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness, accuracy and appropriateness. In lieu of sending the Information you can reopen the dispute to ensure a proper investigation by TransUnion Intermediate Holdings is performed not just hearsay from the reporting party. 


Under Federal Law you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description ( information above ) of the procedure used to determine the accuracy and completeness of the reported information is hereby requested as well, to be provided within fifteen ( 15 ) days of the competition of your re-investigation.

I demand to see from you Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Otherwise, you have not followed verification procedure as per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), relying on alleged Creditor to correct erroneous reporting and failure by TransUnion Intermediate Holdings , Inc to positively verify these accounts has hurt my ability to obtain credit and employment. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I would appreciate a timely response outlining the steps that will occur to resolve this matter, If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

PLEASE REMOVE BELOW ITEM ( S ) OFF MY CREDIT REPORT IMMEDIATELY If you can not present me with Verifiable Proof of an original signed consumer contract. 



Additional Steps that TransUnion failed to address as requested Please Mark Consumer Reported that XXXXXXXX XXXX XXXX XXXX  as being disputed. ( XXXX XXXX to date has not reported to Credit Bureaus any dispute ) All registered agents were officially served paperwork on XX/XX/XXXX to verify this account, to date they have not. Multiple CFPB complaints filed to get verification, Correspondence with Alleged Lender started XX/XX/XXXX XXXX Bank has sent correspondence that they will not verify, as such they are in default in accordance with FCRA. 

XXXX XXXX  is in violation for not reporting this dispute to you, this is your Notice of the Fact and Notice to verify Facts as required by Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, listed the dispute as resolved by grantor, closed the account but did not resolve account to XXXX Balance. XXXX XXXX XXXX has sent correspondence that they will not verify, as such they are in default in accordance with FCRA. 




TransUnion responce on XX/XX/XXXX standard default response I've received on all other requests to date.. 

NON compliance to FCRA is blatant with TransUnion still no Supporting documents as requested and required by FCRA TransUnion verification process in there own words.. We Investigated the information you disputed and the disputed information was VARIFIED AS ACCURATE. TransUnion is in violation of the Fair Credit Reporting Act. law as TransUnion is a reporting agency they need to verify the documents first hand. 

This is the reason only generic credit reporting documents have been sent. No supporting documents that TransUnion Intermediate Holdings has followed the law have been provided by TransUnion. even though they have been requested Twice by Certified mail. XXXX is in violation in providing supporting documents within the 15 day time limits set by the FCRA. 


TransUnion Intermediate Holdings, Inc standard generic responce : We investigated the information you disputed and the disputed information was VARIFIED AS ACCURATE ; how ever, we updated : DATE UPDATED MAXIMUN DELINQUENCY ; RATING ; HISTORICAL TREND DATA. XXXX XXXX XXXX XXXX We investigated the information you disputed and the disputed information was VARIFIED AS ACCURATE ; how ever, we updated : HISTORICAL TREND DATA. XXXX XXXX XXXX XXXX XXXXransUnion has not followed the Fair Credit Reporting Act in any manor as required by law and as such responsible for fines and disciple actions

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