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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/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 the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization regarding the refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before pursuing litigation in accordance with the FCRA. I intend to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617, should the below-mentioned inaccurate, unverifiable, and invalidated items not be deleted immediately. I also want to inform you that a copy of this letter, along with previous communications regarding these erroneous items, will be submitted as part of a formal complaint to the Federal Trade Commission and used as evidence in any pending litigation, should you fail to comply with this settlement offer. 

It has come to my attention that your agency is in direct violation of the FCRA, as the unverified items listed below still remain on my credit report. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of the reported information. Despite your investigations, you have failed to provide me with any original documentation, including a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). I must bring to your attention that, under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete all information that can not be verified. 

It is evident that your agency lacks understanding of the FCRA, given the errors present on my credit report. To clarify the matter, please consider the following points : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It encompasses rules regarding the acquisition, retention, and sharing of consumer credit information. 

FCRA violations can occur when creditors provide reporting agencies with inaccurate financial information, when reporting agencies mix up information between individuals due to similar names or social security numbers, or when agencies fail to follow dispute handling guidelines. 

My rights under the Fair Credit Reporting Act include the ability to verify the accuracy of my report when required for employment purposes, receive notification if my information has been used against me in credit applications or other transactions, dispute and have bureaus correct and delete incomplete, inaccurate, and unverifiable information, and have outdated negative information removed. 

I demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated. I hold you responsible for these violations, which have had a detrimental impact on my credit and have caused distress, including denial of extended credit : XXXX  XXXX Account Number : XXXX This account has never been paid late, and your reporting is completely inaccurate. I demand an update to this account and the immediate deletion of the inaccurate information. 

XXXX XXXX XXXX Account Number : XXXX This account has never been paid late, and your reporting is completely inaccurate. I demand an update to this account and the immediate deletion of the inaccurate information. 

The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Unauthorized inquiry without consent : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report. 

There have been no late payments made on this account, and the account is paid as agreed. Please remove the late payment from my credit report. 
XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation : " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late payment, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in misleading information. 
XXXX XXXX XXXX Account Number : XXXX Please remove this information from my credit report. 

The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Your noncompliance with the FCRA is a violation of 15 U.S. Code 1681n, which carries civil liability for willful noncompliance. Should you fail to comply with federal law, I am entitled to seek damages as per the statute. I want to emphasize my intention to pursue litigation to enforce my rights under the FCRA. 

Furthermore, I request that all non-account holding inquiries be removed. As per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to complete the investigation. I also require the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within 5 days after your re-investigation is complete. I do not consent to e-Oscar or any form of automated verification.

Failure to respond satisfactorily within the specified timeframe may result in a small claims action against your company. I will seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may disclose potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of my complaint will also be forwarded to the organizations mentioned below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : 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 XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance Agencies CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Thank you for your immediate attention to this matter. 

Sincerely, XXXX 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