Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to address your continued violation of the Fair Credit Reporting Act ( FCRA ) by refusing to remove inaccurate, unverifiable, and invalidated information from my consumer file. As a result, I am issuing this final written offer of settlement before litigation to amicably resolve the matter. 

Please be advised that I intend to pursue litigation 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 to seek relief and recover all monetary damages entitled to me under Section 616 and Section 617 if the inaccurate, unverifiable, and invalidated items listed below are not immediately deleted. This letter, along with previously sent inaccurate erroneous items, will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation if you fail to comply with this offer of settlement. 

It is evident that your agency is in direct violation of the FCRA. The unverified items listed below still remain on my credit report in violation of federal law. Under the FCRA, you are required to have a copy of the original creditor 's documentation on file to verify that this information is mine and correct. However, 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 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' To clarify, 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 information in my file has been used against me in applying for credit or other transactions, dispute and have the bureaus correct and delete information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 

Therefore, I demand that the following inaccurate, unverifiable, and invalidated items listed below be deleted immediately. Failure to comply with this request may result in civil liability and monetary compensation under FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance. 

XXXX Account Number : XXXX Kindly investigate and verify whether this account belongs to me because I can not recognize this business. If it is not mine, please delete this account from my credit report. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX, CA 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  Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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