Consumer complaint received 2023-05-12
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. (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to inform you that you have violated the United States Code Law, specifically the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate, unverifiable, and invalidated information from my consumer file. As per the 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, I am entitled to seek relief and monetary compensation. 

I am offering you a final written offer of settlement before litigation, as my attempt to resolve this matter amicably. If you fail to comply with this offer of settlement, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617. 

Please note that the unverified items listed below still remain on my credit report, and you have not provided me with a copy of any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to verify that this information is mine and is correct. Under Section 611 ( a ) ( 7 ), you are required to provide the method of verification, which you have failed to do so. Moreover, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified. 

I demand that the following inaccurate, unverifiable, and invalidated items listed below be deleted immediately from my credit report, or I will pursue legal action : 1. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

2. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

3. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

4. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

6. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

7. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

8. XXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

10. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

11. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

12. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation. 

13. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

19. 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. 

20. 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. 

21. 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. 

22. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry WF PLL Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

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

35. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, A XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

As per the FCRA, I have the right to verify the accuracy of my credit report, receive notification if information in my file has been used against me in applying for credit, dispute and have the bureaus correct and delete information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 

Please consider this letter as a formal complaint to the Federal Trade Commission and evidence in pending litigation if you fail to comply with this offer of settlement. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX