Consumer complaint received 2023-05-17
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Notice of Dispute Pursuant to the Fair Credit Reporting Act Dear Sir/Madam, I am writing to dispute the inaccurate, unverifiable, and invalidated information that remains on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Despite my previous communications and your investigations, these items have not been properly addressed or deleted from my consumer file. This letter serves as a final offer of settlement before pursuing litigation to seek relief and monetary compensation, as provided for under FCRA Sections 1681n, 1681o, and 1692k. 

I must emphasize that your agency is in direct violation of the FCRA. You have failed to provide me with a copy of the original documentation from the creditors to verify the accuracy and ownership of the disputed items, as required under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. Furthermore, you have not provided the method of verification as mandated by Section 611 ( a ) ( 7 ). As per Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete all information that can not be verified. 

The following inaccurate, unverifiable, and invalidated items listed on my credit report must be deleted immediately : 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 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 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 practices have caused significant harm to my creditworthiness. 
XXXX XXXX Account Number : 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 practices have caused significant harm to my creditworthiness. 
XXXX XXXX Account Number : XXXX The following personal information is incorrect : DATE OF BIRTH : XXXX Your continued violation of the FCRA and refusal to correct the inaccurate information warrant serious legal action. I am prepared to pursue litigation to enforce my rights and seek the remedies provided under Section 616 and Section 617 of the FCRA if these items are not promptly deleted. 

I remind you that under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you have 30 days from the receipt of this letter to complete a thorough investigation into the disputed items. Additionally, I request a description of the procedure used to determine the accuracy and completeness of the information within five days of the completion of your re-investigation. Please be aware that I do not consent to e-Oscar or any means of automated verification. 

Failure to respond satisfactorily within the given timeframe may result in legal action seeking monetary compensation in accordance with the FCRA. I am entitled to claim actual damages, punitive damages, costs of the action, and reasonable attorney 's fees, as allowed by the law. 

Furthermore, please note that depending on your response, I may publicize any potential issues with your company through an online press release, including documentation of any forthcoming legal action. Copies of this dispute letter and previous correspondence will be submitted as evidence to the Federal Trade Commission and other relevant regulatory agencies. 

I expect immediate attention to this matter and a prompt resolution of the disputed items. Please provide me with written confirmation of the deletion of the disputed information from my credit report. 

Thank you for your immediate attention to this matter. 

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 non-monetary relief