Consumer complaint received 2017-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint shall serve as a formal notice of my intent to pursue litigation, due to your disregard for the law.
TRANSUNION claims to have somehow verified several items I have previously disputed. Therefore I legally requested a description of the procedure used to verify the items. My last correspondence was dated XXXX XXXX, 2017 where I requested for the second time, the method of verification used to verify the items/accounts that I disputed. As of XXXX XXXX 2017, TRANSUNION has not responded or complied with this request and have thus not performed your duty according to the law.
Federal law requires you to respond within 15 days ; it has been nearly 60 days. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you in regards to this matter ; for the purpose of pursuing litigation if needed, if TRANSUNION continues to disregard and violate the law. For the record the following items are being erroneously reported on my credit file.
1. XXXX XXXX XXXX XXXX, reported balance {$2500.00}, truncated account number XXXX 2. XXXX, reported balance {$2200.00}, truncated account # XXXX 3. XXXX, reported balance {$1500.00}, truncated account # XXXX 4. XXXX, truncated account # s XXXX provided on credit report twice, Balance {$0.00} TRANSUNION claims to have verified these items but they refuse and have failed to provide the method of HOW these items were verified by providing the following information for each of the items. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as a part of the investigation as required by the Fair Credit Reporting Act : Who did you speak with? What was the date? How long was the conversation? What was their position? What number did you call? What is the name of your employee that spoke with the creditor? What is the position of your employee that spoke with the creditor? Also, in accordance with the FCRA in addition to the above requested method of verification information, TRANSUNION needs to obtain and provide the original copy of the loan application from each creditor listed, that I am disputing in this correspondence, that is signed by me ( XXXX XXXX ) If you do not either verify all the reported items/accounts completely, lawfully and legally according to the FCRA or remove these items/accounts within 15 days of receipt of this correspondence, I will be seeking my lawful and legal remedies through litigation. As stated before, I am keeping records of my communications with you. Thank you for your prompt attention in regards to this very important matter.
The above text in a letter form was sent to Transunion on XXXX XXXX 2017 via certified mail and received on XX/XX/XXXX per USPS tracking. It is attached to this complaint.

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 explanation