Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Transunion stated they verified the information as accurate but they have yet to send me how the information was verified. 

To whom it may concern, I will be closely monitoring the situation and expect to hear from you within 30 days. I demand that you confirm and verify that the items in question are reporting correctly or remove them permanently from my report. Additionally, I request that you send me a hard copy of the actions you take and my updated credit report via mail.

It appears that the allegations in my credit report are inaccurate, and I urge you to provide accurate and verified information for each claim. Failure to do so may result in legal action being taken against you.

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy. - Please update to never late!

We must express our deep disappointment and frustration regarding the account associated with XXXX and indicated by the displayed account number XXXX on my report, as it has yet to be conclusively proven valid, accurate, and complete, and falls far short of being certifiably compliant in its reporting. It is crucial to take into account the fact that the CDIA itself has either subtly implied or explicitly stated that any deviation from the law or established credit reporting industry standards renders a claim deficient, thus necessitating the immediate removal of all such claims from reporting. Furthermore, we insist that these claims not be reinstated unless and until they can be lawfully proven to meet all the requisite conditions for accurate and legal reporting. This course of action is non-negotiable and must be pursued, regardless of any apparent misapplication, willful ignorance, or reckless negligence on your part concerning your reporting practices and claims. We strongly urge you to meticulously document any deviations, including but not limited to the following issues, as valid grounds for the comprehensive eradication of the claim 's reportability.

I am deeply disappointed to address the matter of my rights being violated. The concerns regarding your reporting have been diligently documented in the accompanying document. Regrettably, the information provided is inadequate, falling short of the expected completeness and the standards I hold. It is crucial to understand that in accordance with the law, it is your legal obligation to ensure truthful, accurate, timely, complete, and comprehensive certification of all aspects pertaining to the required FCRA/Metro 2 compliance. Failure to meet these essential requirements will leave me with no choice but to escalate these grave issues to the attention of the CFPB, FTC, and my Attorney General. 
Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act is in violation of 15 U.S. Code 5 1681i, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer. 
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 explanation