Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I faxed this into transunion on XX/XX/2018 to delete some of the negative marks on my credit report. I faxed in the 609 request and a second letter of the 609. to remove a blemish on my report that TRANSUNION had just verified and totally left out the FCRA part where transunion had a legal obligation to remove this negative report on my personal credit and has not provided any legal full fill ment of the FCRA Federal law by not sending me a physical copy of my personal signature that is so very clear in the FCRA FEDERAL LAW. Transunion had just said it was verified but there was no sending me the physical signature as required by FCRA and Federal LAW on this matter. It seems that the Transunion has not fully complied to the full legalities of this FGEDERAL LAW THAT REQUIRES me to be sent a physical signature that is supposed to be my signature. .All you have to ask transunion on the letter they sent to me on XX/XX/2018 and ask for a copy and I have copies incase transunion does not find it for you for some reason. the results were that. down below is a copy of the actual FEDERAL LAW FCRA. I have documents backing it up. my confimations of my faxes etc ... this has to come off my report. I deny that this should be on my report. I have also just filed a complaint with my local congressman XXXX XXXX XXXX. for XXXX XXXX XXXX 1st district of, Indiana. they will contact the F.T.C I even emailed a second letter. they did nothing to clear up my name.

Here is letter 1 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account Account Number Provide Physical Verification Creditor Thank you for your prompt assistance in this matter.

Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Letter # 2 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below 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 first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and 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 for negligent noncompliance ( Section 617 ) if you fail to comply. 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 removed immediately.

Name of Account Account Number Provide Physical Verification Creditor Thank you for your prompt assistance in this matter.

Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Letter 3 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two 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 first investigation and subsequent reinvestigation, 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 removed immediately.

Name of Account Account Number Provide Physical Verification Creditor.

Thank you for your prompt assistance in this matter.

Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code 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 ev.

Thank you for your prompt assistance in this matter.

Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -

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