Consumer complaint received 2023-05-17
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/1987 RE : Violation of United States Code Law Dear Sir/Madam, I am writing to bring your attention to the violation of the Fair Credit Reporting Act ( FCRA ) in relation to my consumer file. Despite my previous attempts to resolve this matter, the inaccurate, unverifiable, and invalidated information remains on my credit report. Therefore, I am issuing this final offer of settlement before pursuing litigation under FCRA provisions. 

As per the FCRA, it is your responsibility to maintain a copy of the original creditors ' documentation to verify the accuracy of the information reported. However, you have failed to provide any such documentation as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not provided the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, it is explicitly stated that all unverifiable information must be promptly deleted. 

Despite these legal obligations, you have not taken the necessary steps to rectify the inaccuracies in my credit report. This continued violation of the FCRA is in direct contravention of the civil liability provisions outlined in 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. I want to emphasize that I am prepared to pursue litigation to seek relief and recover all monetary damages entitled to me under Section 616 and Section 617 if the mentioned inaccuracies are not immediately deleted. 

I demand the following items to be deleted from my credit report as they are either inaccurate, unverifiable, or invalidated : XXXX Account Number : XXXX This account is unfamiliar to me, and I have no recollection of belonging to it. I insist that you remove this account from my credit report without delay. 

XXXX  XXXX Account Number : XXXX Despite your claim of updating this account, no changes have been made, and the incorrect information remains. I demand the removal of these incorrect late payments from this account promptly. 

XXXX XXXX  XXXX Account Number : XXXX Similar to the previous account, no updates have been made, and the incorrect information persists. I request the immediate removal of these incorrect late payments from my credit report. 

XXXX Account Number : XXXX I have found no evidence supporting my ownership of this account. I demand the removal of this inaccurate information from my credit report without any further delay. 

XXXX Account Number : XXXX I am perplexed as to how you continually verify events that never occurred. I have no memory of being late with any payments. I expect you to remove this harmful incorrect data from my credit file immediately. 

I want to reiterate that failure to comply with federal law within 30 days of receiving this certified letter may result in legal action seeking compensation of {$5000.00} per violation, including defamation, negligent enablement of identity fraud, FCRA violations, and financial injury. 

I also want to notify you that depending on your response, I may publicly disclose potential issues with your company through an online press release, including documentation of any potential small claims action. Copies of this letter and my complaint have been sent to the relevant organizations listed below for their reference : [ CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX ] [ CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 ] [ CC : Consumer Financial Protection Bureau ] [ CC : Attorney General 's Office ] [ CC : XXXX XXXX XXXX ] [ CC : State Senate ] [ CC : Federal Deposit Insurance Corporation ] [ CC : Comptroller Of The Currency ] [ CC : Federal Reserve System ] [ CC : XXXX XXXX XXXX ] [ CC : Federal Trade Commission ] [ CC : State Regulatory Agency ] [ CC : California Regulatory Agency Division of Consumer Complaints ] I anticipate your prompt attention to this matter and the immediate removal of the aforementioned inaccurate information from my credit report. I am keeping a record of your actions, including your method of verification, and I do not consent to e-Oscar or any means of automated verification. 

Thank you for your urgent action in resolving this dispute within the specified timeframe. 

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