Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I sent a letter to TransUnion through certified mail ( XXXX ) via on XXXX. I requested them to specifically ask them to do the following : ( See Attached Letter XXXX ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C1681g I have the right to demand that you provide me with all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting to my personal credit report file. 

INSTRUCTION : Do Not respond to my demand by saying that these accounts have been verified by the information provider. I request copies of the documents that you have retained in your files that your company used to verify the accuracy of this account. I am requesting any and all documents regarding this account specifically but not limited to the documents below : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

I do not give your company permission to publish unverified information on my personal credit file. By publishing unverified account information on my credit report, you are in violation of the FCRA. In addition, by distributing my credit report to 3rd parties you are damaging my character, reputation and credit worthiness.

If you do not have any documentation in your company files that verify the accuracy of this disputed account, I request that you delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA. If you have not verified the accuracy if these accounts, you have simply echoed the information the provider has told you. The law is clear that a credit reporting agency that does not comply with the verification requirement of the FCRA, if the company simply mimics the information supplied in the providers electronic response. If you do this the credit reporting agency is in violation of the verification requirement. 

Under the FCRA, all unverified accounts must and are required to be deleted promptly. Consequently, if you are unable to provide me with a copy of the verified proof that you have on file for this account listed below then you must remove this account from my credit report. 

TransUnion replied with the attached letter noting the account was verified. They failed to provide : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 

TransUnion failed to provide any information that they obtain to verify this account. I know they are unable to provide this information because it does not exist. I also sent TransUnion the attached information : ( See Attached ) See Attached TransUnion Report Excerpt Dated XXXX XXXX, 2023 See Attached : TransUnion ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted

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