Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Notice of Violation of United States Code Law Dear Sir/Madam, I am writing to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) committed by your organization. This letter serves as my final offer of settlement before pursuing litigation, as I aim to resolve the ongoing issue of your refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file. Failure to address these concerns within the specified timeframe may result in legal action, seeking both relief and monetary compensation under FCRA Sections 1681n, 1681o, and 1692k. 

Your continuous noncompliance with the FCRA is evident through the presence of unverified items listed below, which still remain on my credit report in direct violation of federal law. According to the FCRA, it is your obligation to maintain copies of original documentation from the original creditors to verify the accuracy and ownership of the reported information. Despite previous investigations, you have failed to provide any original documentation, including a consumer contract bearing my signature, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Furthermore, you have not fulfilled the requirement of providing the method of verification as mandated by Section 611 ( a ) ( 7 ). It is essential to note that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to " promptly delete all information which can not be verified. '' It is evident that your agency lacks a comprehensive understanding of the FCRA, as observed from the errors and discrepancies in my credit report. To clarify the significance of the FCRA, I will provide a brief overview : The Fair Credit Reporting Act is a federal law governing the collection and reporting of credit information about consumers. It encompasses regulations on the acquisition, retention, and disclosure of credit information, including provisions for consumers to review and correct their credit reports. 

FCRA violations encompass various instances such as creditors providing inaccurate financial information to reporting agencies, reporting agencies mixing up information due to shared names or social security numbers, and agencies failing to adhere to guidelines for handling disputes. 

As a consumer, I possess specific rights under the FCRA, which include the ability to verify the accuracy of my credit report for employment purposes, receiving notification if my credit information is used against me in credit applications or other transactions, disputing and having inaccurate, incomplete, and unverifiable information corrected and removed from my report, and the removal of outdated negative information. 

Considering the aforementioned violations and discrepancies, I demand the immediate deletion of the following items from my credit report, as they are either inaccurate, unverifiable, or invalidated. These errors have caused significant distress as evidenced by my recent denial of extended credit : 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 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. 

10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 19. 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.

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