Consumer complaint received 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you  previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide 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.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 
Creditor 1 XXXX/XXXX Hospital Amt {$75.00} XXXX Creditor 2 XXXX XXXX XXXX Amt {$480.00} XXXX This 1971 Fair Credit Reporting Act states that a consumer reporting agency is NOT required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated or if it CAN NOT BE VERIFIED. 

Furthermore, there are a handful of Appellant Court cases that are based on the FCRA where the Appellant Courts defined the term Verified for us stating that a credit reporting agency is required to have a copy of the original signed credit application application document that was used to open the account verifying that the account they are reporting on belongs to you. They cant just parrot the words of the creditor the item has been verified. Appellant Courts have already ruled on this. The Courts have interpreted this all important clause in the Fair Credit Reporting Act. 

Credit Bureaus dont have the credit application or any other documents concerning any of your accounts in their files therefore they cant produce it when you request it from them in writing so the account is classified as UNVERIFIED and the Fair Credit Reporting Act specifies that they must DELETE all unverified accounts if you request in writing to have them delete these items.

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