Consumer complaint received 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Transunion LLC Consumer Dispute Center, This is my fourth written request and final warning that I fully intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. As per the FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have not provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly delete all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately : The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MN XXXX The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, MN XXXX The inquiry was not authorized : XXXX, Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
The inquiry was not authorized : DEPT OF ED, Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
The inquiry was not authorized : DEPT OF ED, Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
The inquiry was not authorized : XXXX XXXXXXXX, Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
The inquiry was not authorized : XXXX XXXXXXXX, Date of inquiry : XX/XX/XXXX. Please remove it from my credit report. 
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation : XXXX XXXXXXXX XXXX, Account Number : XXXX. Validate/inaccurate reported late payments. 
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation : XXXX XXXX, Account Number : XXXX. Validate/inaccurate reported late payments. 
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 : XXXX XXXXXXXX XXXX  Account Number : XXXX. Your improper procedures has caused additional damage. Please delete XXXXAccount 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. 
XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.

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