Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the Fair Credit Reporting Act and Notice of Pending Litigation Dear Sir/Madam, I am writing to formally dispute the inaccurate, unverifiable, and invalidated information present in my consumer file. I am deeply concerned about your continued violation of the Fair Credit Reporting Act ( FCRA ) and your refusal to delete the disputed items listed below. This letter serves as both an offer of settlement before litigation and a notice of pending litigation seeking relief and monetary compensation under FCRA sections 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k. 

It is evident that you are in direct violation of the FCRA, as the unverified items listed below remain on my credit report, contradicting federal law. According to the FCRA, you are required to possess original creditors ' documentation to verify the accuracy and ownership of the reported information. Despite previous investigations, you have failed to provide me with any original documentation, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not fulfilled the requirement of providing the method of verification as specified in Section 611 ( a ) ( 7 ). I must remind you that Section 611 ( 5 ) ( A ) of the FCRA demands the prompt deletion of all information that can not be verified. 

In light of your disregard for the FCRA, I would like to outline the following key points for your understanding : The Fair Credit Reporting Act ( FCRA ) is the primary federal law that governs the collection and reporting of credit information about consumers. It establishes guidelines for the acquisition, retention, and sharing of credit information. 

FCRA violations encompass instances where creditors provide inaccurate financial information, reporting agencies mix up individuals ' information, or agencies fail to adhere to guidelines for handling disputes. 

Under the FCRA, I have specific rights, including the ability to verify the accuracy of my report when required for employment purposes, receive notification if my file has been used against me in credit applications or other transactions, dispute and have bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report, and have outdated negative information removed. 

I demand the immediate deletion of the following items from my credit report due to their inaccurate, unverifiable, and invalidated nature : XXXX. XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX. XXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. 

XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

18. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

26. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Your continued violation of 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ) exposes you to legal consequences. As such, I reserve my right to pursue litigation to enforce my rights under the FCRA and seek the appropriate relief and monetary damages available under Section 616 and Section 617.

According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to complete the investigation into these disputed items. Additionally, I request the description of the procedure used to determine the accuracy and completeness of the information within 5 days of the completion of your re-investigation. Please note that I do not consent to e-Oscar or any form of automated verification.

Failure to respond satisfactorily within the specified timeline may result in legal action against your company. I would seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury I must also inform you that depending on your response, I may release a public press release online, documenting any potential small claims action and the issues with your company. Copies of this complaint have been sent to the relevant organizations listed below for their information : [ CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX ] [ CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX ] [ CC : Consumer Financial Protection Bureau ] [ CC : Attorney General 's Office ] [ CC : XXXX XXXX XXXX  ] [ CC : 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 ] Please take immediate action to rectify this situation within the specified timeline. I expect a written response addressing the resolution of this dispute and the removal of the inaccurate items from my credit report. Failure to comply may result in the commencement of legal proceedings without further notice. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief