Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please be advised that this is my 3rd WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. I want to make this very clear That I did not authorize or apply for XXXX and XXXX XXXX  product ever in this year for the past 2 year. In earlier this year XXXX I did report to all XXXX bureaus that I lost my phone and someone applied couples credit card back in XX/XX/XXXX. 
I did reported to XXXX credit bureaus Someone either stole my iphone in XXXX XXXX, my mails and applied for couples credit card in the past. 
I said it very clear again that I did called XXXX and XXXX XXXX  they told me to report to police there nothing they can do. Even XXXX admit to me that they cant even verify it was me that apply for the loan so they denied the loan itself! 
I never recalled on XX/XX/XXXX and XX/XX/XXXX that I chat with Transunion regarding freeze or unfreeze my credit! Many reason now I believe my email and Transuion login got hacked! I tried to changed my emailed and reset like 4 times and cant access to my Transuion account any longer as of XX/XX/XXXX. I need to change my email and update my new phone number that I havent update since XXXX when I moved to XXXX. I will call TransUnion tomorrow and see what going on why I cant access to my login anymore. 
At this point since someone tried to pull both my personal credit from Transunion and the Lender stated cant fix since they dont know what going on. At this point is TRANSUNION RESPONSIBLE FOR Look, I reported to police and they investigate already. That the bottom line. I had enough wasting my time writing this letter and Transuion ignore when I have evident to prove my cases. 
The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. PLEASE CALL THE XXXX XXXX Police they wont provide me with actual police report in XXXX  form is their own city policy. This is what Police is for and your job is to call them to verify to correct your in accurate issue on my credit report. I also, reported to identity theft.gov. For everyone sake Please do you job correctly. 
Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and 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 for negligent noncompliance ( Section 617 ) if you fail to comply with this 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.

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