Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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, Washington XXXX SS # : XXXX | Date of Birth : XX/XX/ 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 bring to your attention the violation of the Fair Credit Reporting Act ( FCRA ) and to propose an amicable resolution before pursuing litigation. Your continued refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file is in direct violation of the FCRA. If the listed items below are not deleted promptly, I will be left with no choice but to initiate legal proceedings to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617 of the FCRA. This letter, along with previous correspondence and inaccurate erroneous items previously sent to you, will also be submitted as evidence in a formal complaint to the Federal Trade Commission. 

I want to emphasize that your agency 's failure to comply with the FCRA is evident as the unverified items listed below still remain on my credit report, despite your obligation to maintain copies of original creditors ' documentation to verify their accuracy. In your investigations, you claimed to have " verified '' that these items are being " reported correctly. '' However, you have not provided me with any original documentation, including a consumer contract with my signature, as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, you have not fulfilled the requirement under Section 611 ( a ) ( 7 ) to provide the method of verification. I would like to remind you that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to " promptly DELETE all information which can not be verified. '' Considering the evident lack of knowledge regarding the FCRA demonstrated by your agency, I feel it necessary to provide a brief breakdown of its significance : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information about consumers. It regulates the acquisition, retention, and sharing of credit information, including provisions for consumers to access and dispute inaccurate information. 

FCRA violations may include creditors providing reporting agencies with inaccurate financial information, reporting agencies mixing up consumer information due to similarities in names or social security numbers, or agencies failing to follow dispute resolution guidelines. 

Under the FCRA, I have the following rights : The right to verify the accuracy of my credit report when it is required for employment purposes. 
The right to be notified if information in my file has been used against me in credit applications or other transactions. 
The right to dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report. 
The right to request the removal of outdated negative information after a specific period. 
Therefore, I demand that you immediately delete the following items, as they are either inaccurate, unverifiable, or invalidated. These items have had a negative impact on my recent credit application, causing distress due to the mistakes made by your agency. 

Incorrect personal information : DATE OF BIRTH : XXXX  Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, WA XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX Account Number : XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX XXXX Account Number : XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX XXXX Account Number : XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX Account Number : XXXX Account details involved in litigation, containing multiple inaccuracies : XXXX XXXX Account Number : XXXX Incorrect personal information : DATE OF BIRTH : XXXX  Failure to comply with this request within 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in a small claims action seeking {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please note that I also request the description of the procedure used to determine the accuracy and completeness of the information, to be provided within five days after the completion of your reinvestigation. I am diligently documenting your actions, including your Method of Verification, and I do not consent to e-Oscar or any means of automated verification. 

Furthermore, please be aware that depending on your response, I may choose to publicly detail any potential issues with your company through an online press release, including documentation of any potential small claims action. Copies of this complaint have also been sent to the 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 Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints I expect your prompt attention to this matter. Please consider this letter as my final offer of settlement before initiating litigation to enforce my rights under the FCRA. 

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