Consumer complaint received 2023-05-16
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 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 RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

Dear Sir/Madam, I am writing to present this final written OFFER OF SETTLEMENT BEFORE LITIGATION as an attempt to amicably resolve your continued violation of the Fair Credit Reporting Act ( FCRA ) regarding the refusal to delete INACCURATE, Unverifiable, and Invalidated information from my consumer file. If the listed below INACCURATE, Unverifiable, and Invalidated items are not immediately removed, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages entitled to me under Section 616 and Section 617. Please note that this letter, along with previously sent inaccurate and erroneous items, will be included as evidence in pending litigation and a formal complaint to the Federal Trade Commission should you fail to comply with this offer of settlement. 

It has come to my attention that you are in direct violation of the FCRA as the unverified items listed below still remain on my credit report, which is a violation of Federal Law. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. In your previous investigations, you stated in writing that these items were " reported correctly '' without providing me with any original documentation ( a consumer contract with my signature ) 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 ). I would like to bring to your attention that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' It is evident that your agency lacks knowledge of the FCRA, as evidenced by the numerous errors on my credit report that you are disregarding. To ensure clarity, I would like to provide you with the following breakdown : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules on how a consumer 's credit information is obtained, retained, and shared, including with the consumers themselves. 

FCRA violation occurs when creditors provide reporting agencies with inaccurate financial information about consumers, when reporting agencies mix up information due to similar last names or social security numbers, or when agencies fail to follow guidelines for handling disputes. 

Under the fair credit reporting act, I have the following rights : a. Verify the accuracy of my credit report when it is required for employment purposes. 
b. Receive notification if information in my file has been used against me in applying for credit or other transactions. 
c. Dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report. 
d. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 

I demand the immediate deletion of the following items. I have provided a list of the items and the desired outcome below, as they are either INACCURATE, Unverifiable, or Invalidated. I recently applied for extended credit and was denied due to your mistakes, causing distress on my part. 

The inquiry was not authorized Creditor : XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal. 

The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal. 

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

Account involved in litigation : Incorrect high balance Inaccurate date of last activity REAGED ACCOUNTS Reinsertion WITHOUT PROPER NOTICE Undated late pay Charge off listed as open Collection account with a limit Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX  Incorrect personal information : DATE OF BIRTH : XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX Account involved in litigation : Incorrect high balance Inaccurate date of last activity REAGED ACCOUNTS Reinsertion WITHOUT PROPER NOTICE Undated late pay Charge off listed as open Collection account with a limit Creditor : XXXX/XXXX  Account Number : XXXX Please remove it from my credit report. 
Incorrect personal information : DATE OF BIRTH : XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : NAME : XXXX XXXX XXXX Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX  Incorrect personal information : EMPLOYER : XXXX XXXX XXXX Incorrect personal information : EMPLOYER : XXXX XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : NAME : XXXX XXXX XXXX Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX  Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

These inaccurate, unverifiable, or invalidated items are clear violations of the FCRA. According to Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' It is evident that your agency lacks understanding of the FCRA, given the errors I observe on my credit report. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules for obtaining, retaining, and sharing a consumer 's credit information, including their rights to verify, dispute, and correct inaccuracies. 

A violation of the FCRA can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up information due to similarities in names or social security numbers, or when agencies fail to follow guidelines for handling disputes. 

Under the Fair Credit Reporting Act, I have the following rights : Verify the accuracy of my report when it is required for employment purposes. 
Receive notification if information in my file has been used against me in applying for credit or other transactions. 
Dispute, and have the bureaus correct and delete, information in my report that is incomplete, inaccurate, or unverifiable. 
Have outdated, negative information removed ( usually after seven years, or ten years in the case of bankruptcy ). 
I demand the immediate deletion of these items to rectify your violations. I have provided a comprehensive list of violations and requested remedies above. Failure to comply with federal law within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including claims for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. 

Please note that I require a description of the procedure used to determine the accuracy and completeness of the information, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Kindly provide this description within five days of completing your reinvestigation. I do not consent to e-Oscar or any means of automated verification. 

Furthermore, I want to emphasize that I am keeping a careful record of your actions, including your Method of Verification, and I reserve the right to detail any potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of this complaint have been sent to the organizations listed below for their information and consideration : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXXXXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Please be advised that your timely response is expected and essential. I anticipate a resolution to this matter that is both fair and compliant with federal law. 

Sincerely, XXXX 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