Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Listen up! I've had it with your shoddy practices and blatant disregard for the law. Let 's get something straight right off the bat : you claim to have " verified '' the accuracy of these reported items, but who the XXXX verified them? Under the Fair Credit Reporting Act ( FCRA ), you're obligated to have the original creditor ( s ) documentation on file. Yet, you conveniently chose to ignore my previous dispute letters requesting validation, as mandated by 15 USC 1692g Section 809 ( b ). It's crystal clear that you're willfully breaking the law without any remorse. 

Guess what? I'm not here to play games. I've already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and mark my words, the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXX  ) will be next in line. This circus act of yours ends now. 

I demand to know where the original instrument of indebtedness is. Don't you dare think you can get away with submitting mere photocopies or duplicates. I want to see the real dealthe original loan document with my signature on it. You claimed in writing that these items are being " reported correctly. '' Well, I want answers. Who the XXXX verified these accounts, and how were these so-called verification 's carried out? It's high time you faced the consequences of your willful and negligent noncompliance. 

Listen up, sunshine. I've recently got my hands on my credit file, and guess what? It's riddled with inaccuracies and unauthorized hard inquiries. I didn't sign up for any of this nonsense. So, here 's what's going to happen : I demand an immediate block and removal of all these accounts and inaccurate information from my credit file. This isn't your regular disputeit 's a full-blown complaint backed by the Federal Trade Commission , as well as a police report documenting my identity theft. Yeah, you heard it right. I was an unwilling participant in the XXXX data breach of 2017, and you're going to pay for it. 

Here 's the deal : I want all the unverifiable information wiped clean within 30 days, as stipulated by the FCRA. And don't even think about reporting anything that's been deleted as a result of fraud15 USC Section 1692e clearly states that false and misleading representation is illegal. So, take a good hard look at those accounts, because they need to go. 

To add insult to injury, I haven't received any response from the alleged creditors despite reaching out to them. That's why I demand that you send all the documents related to my case to the address on file. Oh, and make sure to provide me with an updated credit report through the mail, just like I asked. But don't stop thereI want you to send the same updated report to every lender, bank, and credit union that has ever requested my credit file for the past 33 years. And I want proof, stamped with the timestamp, that you've done it. 

And listen up, XXXX! You better listen closely. From now on, I only want dispute results sent to me via mail only! You have absolutely no permissible purpose to report anything on my credit file without my explicit consent, as outlined in 15 USC code & 1681. Once you've completed all your little tasks, don't you dare share or sell my personal information to anyone, for any reason, without my written request and consent. Got it? Good. 

I'm not playing around anymore. This is your last chance to do the right thing and follow the XXXX consumer laws. Otherwise, you can bet your bottom dollar that we'll be meeting in court, and trust me, it won't be a fun little picnic. I'm a litigious consumer, and I'll make sure you pay every XXXX, from court fees to lawyer expenses. So, buckle up and get ready for the ride, because it's about to get real. 

Consider this a cease and desist warning. It's about time you had the original creditor ( s ) documentation on file to verify the accuracy and ownership of this information. My previous requests for validation have been blatantly ignored, and you're willfully trampling all over the law. You can expect complaints to rain down on you from every directionthe CFPB, the FDCPA, and the XXXX. So, here 's your last chance : show me the alleged original document you claim I signed. Not a copy, not a duplicate. I want the real deal. 

And let me be perfectly clear : this is not an idle threat. I will pursue litigation if necessary. So, consider yourself warned. Your days of playing fast and loose with my credit file are over. 

Let 's start with 15 USC 1692g Section 809 ( b ), a provision that gives consumers the right to request validation of the accounts in question. As a diligent and informed consumer, I exercised this right by submitting my dispute letters to your esteemed institution. However, it has become apparent that my requests for validation were met with silence, as if they were mere whispers in the wind. This blatant disregard for the provisions outlined in 15 USC 1692g Section 809 ( b ) showcases a willful non-compliance with the FCRA. 

Now, let 's delve into the crux of the matter : the need for the original creditor ( s ) documentation. According to the FCRA, it is incumbent upon you, the party responsible for reporting and verifying these accounts, to maintain a copy of the original documentation. This requirement, outlined in the FCRA, ensures the accuracy and legitimacy of the reported information. Failing to adhere to this obligation is akin to breaking the very foundation upon which the credit reporting system is built. 

The gravity of this situation can not be overstated. I have taken the initiative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), a course of action that should underscore the seriousness of the matter at hand. However, rest assured that the CFPB won't be the only institution receiving my grievances. The Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXX  ) will also bear witness to the unscrupulous practices and non-compliance that have become your modus operandi. 

Now, let 's address the elephant in the roomthe alleged original instrument of indebtedness. It is not unreasonable to expect that a bona fide and legally-binding loan document, complete with my signature, be made available for scrutiny. To be clear, I won't settle for clone copies or duplicates. I demand to see the real McCoythe genuine article that unequivocally demonstrates my consent and involvement. This is a fundamental request, one that hinges on the principles outlined in 15 USC 1692g Section 809 ( b ). Anything less than the original document is an affront to the very idea of accountability and transparency. 

But let 's not stop there. I want answers, and I want them now. Who verified these accounts? How did this verification process unfold? It is crucial that you shed light on these aspects, as they are instrumental in ensuring compliance with the FCRA and upholding the integrity of the credit reporting system.

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