Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the Fair Credit Reporting Act ( FCRA ) and Request for Deletion of Inaccurate Information Dear Sir/Madam, I am writing this letter to address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization regarding the presence of inaccurate, unverifiable, and invalidated information on my consumer file. This letter serves as both a final settlement offer before litigation and a formal notice of pending litigation seeking relief and monetary compensation under FCRA Sections 1681n, 1681o, and 1692k. 

I have previously contacted your organization to request the removal of the following items from my credit report, as they are inaccurate, unverifiable, and invalidated : The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Despite my previous attempts to address these issues, the inaccurate information remains on my credit report, indicating a violation of the FCRA. 

I want to emphasize that under the FCRA, it is your responsibility to ensure the accuracy and validity of the information you report. As per my previous communication, you have failed to provide me with any original documentation to verify the accuracy of these items, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). As a result, you are in direct violation of the FCRA.

I demand the immediate deletion of the following items from my credit report : 1. The following personal information is incorrect EMPLOYER : XXXX XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

10. 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. 

11. 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. 

12. 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 XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. 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 XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

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

15. 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. 

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

18. 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. 

19. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Failure to comply with this request within 30 days of receipt of this letter will result in further legal action to enforce my rights under the FCRA. In accordance with the FCRA Sections 1681n and 1681o, I may seek monetary compensation for willful noncompliance and negligent noncompliance, as well as attorney 's fees and costs. 

Please consider this letter as a final opportunity to rectify this matter before litigation. I expect prompt attention to this request, and I will be monitoring your actions closely. 

This letter and its contents may also be submitted as evidence in a formal complaint to the Federal Trade Commission and other relevant authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX