Consumer complaint received 2023-05-17
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 RE : Notice of Dispute and Violation of United States Code Law Dear Sir/Madam, I am writing to bring to your attention the ongoing violation of the Fair Credit Reporting Act ( FCRA ) in regards to inaccurate, unverifiable, and invalidated information that still remains on my consumer file. This letter serves as a final offer of settlement before pursuing litigation under FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance, 15 U.S. Code 1681o Civil liability for negligent noncompliance, and 15 U.S. Code 1692k civil liability.

I demand the immediate deletion of the following items from my credit report due to their inaccuracies, unverifiability, and invalidation. Failure to comply with this request will result in the commencement of litigation seeking relief and monetary compensation : 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. 
Creditor : XXXX Account Number : XXXX Incorrect personal information : Date of Birth : XXXX Incorrect personal information : Employer : XXXX XXXX Incorrect personal information : Employer : XXXX XXXX, XXXX, CA Incorrect personal information : Previous Address : XXXX XXXX XXXX XXXX, CA XXXX Incorrect personal information : Employer : XXXX XXXX Incorrect personal information : Employer : XXXX XXXX, XXXX, CA Incorrect personal information : Previous Address : XXXX XXXX XXXX XXXX, CA XXXX Unauthorized inquiry : Creditor : XXXX Date of Inquiry : XX/XX/XXXX According to the FCRA, it is your responsibility 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, as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). Section 611 ( 5 ) ( A ) further mandates that " information which can not be verified '' should be promptly deleted.

I urge you to take immediate action to rectify these violations and delete the aforementioned items from my credit report. Failure to do so will result in legal action, and I will seek the remedies available to me under the FCRA, including but not limited to, actual damages, punitive damages, costs of the action, and reasonable attorney 's fees, as outlined in 15 U.S. Code 1681n.

I expect a comprehensive investigation within the statutory period of 30 days, as stipulated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I also request that you provide a detailed description of the procedure used to determine the accuracy and completeness of the information, which should be provided within five days of the completion of your re-investigation. Please note that I do not consent to e-Oscar or any automated means of verification.

Please be aware that failure to respond satisfactorily within the given timeframe may result in a small claims action seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury.

Furthermore, I intend to share my grievances regarding your company 's conduct by issuing an online public press release, including documentation of any potential small claims action. Copies of this letter and my formal complaint will be sent to the organizations listed below for their reference and appropriate action : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, D.C. 205 Consumer Financial Protection Bureau Attorney General 's Office XXXX XXXX XXXX XXXX Senate Federal Deposit Insurance Corporation Comptroller Of The Currency Federal Reserve System Credit and insurance Federal Trade Commission State Regulatory agency California Regulatory agency Division of consumer complaints I trust that you will address this matter promptly and comply with the requirements of the Fair Credit Reporting Act. Your cooperation in resolving this dispute amicably will be greatly appreciated. 

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