Consumer complaint received 2023-05-09
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX Dear TransUnion XXXX Consumer Dispute Center, I am writing to inform you that I have received your investigation results regarding my credit report and I am dissatisfied with your response. The inaccurate, unverifiable, and invalidated information that remains on my consumer file is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this matter amicably with you but to no avail. Therefore, I intend to pursue litigation under FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

Please note that a copy of this letter, along with the inaccurate, unverifiable, and invalidated items I previously sent to you, will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation if you fail to comply with this offer of settlement. 

Under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of 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. However, you have failed to provide me with any original documentation or a consumer contract with my signature on it. Furthermore, you have not provided 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. '' I demand that you immediately delete the following items from my credit report as they are either inaccurate, unverifiable, or invalidated : The following personal information is incorrect : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX 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 XXXXXXXX XXXX XXXX XXXXlease remove it from my credit report. 

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

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX 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 TREASURY XXXX XXXX XXXX XXXX Please remove it from my credit report. 

I would appreciate your immediate attention to this matter. If you fail to comply with this offer of settlement, I will pursue legal action to enforce my rights under the FCRA. Thank you for your 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