Consumer complaint received 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Their investigation did not fix an error on your report

Complaint:
cfpb : XXXX  transunion and XXXX  refuse to properly investigate my credit challenges per section 609 of FCRA, many inaccuracies and or fraudulant reporting on my tri-bureau credit reports. See attached letter. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  DC XXXX Phone Number : withheld to avoid harassment BY ALLEGED CREDITORS Date : XX/XX/2021 RE : FORMAL REQUEST TO DISPUTE ALL INFORMATION ON MY TRI-BUREAU CREDIT REPORTS UNDER FCRA SECTION 609 THROUGH 616 Dear XXXX, XXXX  and Transunion, I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act ( FCRA ) .As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumers file unless the information is outdated under Section 609 or can not be verified.As per the FCRA , only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the consumer the right to see what the furnisher ( such as a lender, collector, or court ) sent to the credit reporting agency as evidence that the information is correct. But the information needs to be verifiable, so if its not, it will be removed from MY credit report. XXXX  TRANSUNION AND XXXX, YOU WILL PER THE LAW, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information WILL be removed from my credit report within 30 days of this letter! 
I am also a victim of identity theft very recently within the past year of the us governments office of personnel management breach AND THE MASSIVE XXXX SECURITY BREACH, SUCH THAT ALL ITEMS I HAVE DISPUTED ON MY CREDIT REPORT ARE INACCURATE, UNVERIFIED, AND SHOULD NOT BE ON MY CREDIT REPORT, EXCEPT THE FOLLOWING ITEMS I DO NOT DISPUTE : ANY XXXX STUDENT LOAN ACCOUNT AND THE XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD. ALL ELSE WILL BE PROPERLY AND THOROUGHLY INVESTIGATED, INCLUDING ORIGINAL CONTRACTS WITH MY SIGNATURE, INVESTIGATED BY THE CREDIT BUREAUS AND REMOVED UNLESS YOU CAN PROVE MY ORIGINAL DOCUMENTS WITH ORIGINAL SIGNATURE!!, PER THE LAW! I HAVE REPORTED XXXX  TRANSUNION AND XXXX  TO THE CONSUMER FINANCIAL PROTECTION BUREAU, THE FTC, THE XXXX XXXX XXXX, AND THE XXXX XXXX XXXX DC, PENNSYLVANIA, TEXAS, AND GEORGIA, THE RESPECTIVE STATES OF YOUR INCORPORATION, FOR THE BUREAUS FAILURE TO PROPERLY INVESTIGATE MY CLAIM OF FRAUDULENTLY PLACED ITEMS ON MY CREDIT REPORTS UNDER SECTION 609 OF THE FAIR CREDIT REPORTING ACT. I AM ALSO A XXXX PERSON AND XXXX VETERAN AND YOUR FAILURE TO PROPERLY INVESTIGATE UNDER SECTIONS 609 OF FCRA IS INHIBITING MY ABILITY TO PROCURE STABLE HOUSING, THUS POSSIBLY ALLOWING LEGAL ACTION AGAINST YOUR CREDIT AGENCIES FOR PAIN SUFFERING EMOTIONAL DISTRESS, SLANDER, AND LIBEL HOMELESSNESS, MEDICAL ISSUES, AND FURTHER LITIGATION. 
Upon review of my XXXX XXXX credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. 
As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. 
As such, the following are items I wish to dispute on my credit report : As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I have attached all relevant documentation for your review. I thank you in advance for your prompt response and resolution of this issue. 

As is my right, I am requesting SECTION 609 verification of the following items : 1 ) XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX Loan Type : CREDIT 2 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Loan Type : AUTOMOBILE 3 ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection 5. ) XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNTS BOTH ARE FRAUDULENT AND UNVERIFIED. 
Additionally, I have highlighted these items on the attached copy of the credit report I received.I am writing to exercise my right to dispute the following items on my file. I have made note of these items on the attached copy of the report I have received from your agency. You will also find attached copies of documents that prove my identity, birth date, SSN, and address. 
As is stated in the Fair Credit Reporting Act ( FCRA ), Section 609 : These are incorrect, inaccurate, AND unverified due to the lack of validation by numerous parties that is required by Section 609. I would appreciate your assistance in investigating this matter within the next 30 days. As required by the FCRA, if you fail to do so, all aforementioned information/disputed items must be deleted from all my credit reports report. 
I request that all future correspondence be done through the mail or email. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. 
I am writing to exercise my right to dispute the following items on my file. I have made note of these items on the attached copy of the report I have received from your agency. You will also find attached copies of documents that prove my identity, birth date, SSN, and address. 
I would appreciate your assistance in investigating this matter within the next 30 days. As required by the FCRA, if you fail to do so, all aforementioned information/disputed items must be deleted from the report. 
This letter is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

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 explanation