Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*TransUnion** XXXX XXXX XXXX XXXX XXXX XXXX **RE : Final XXXX for XXXX of Unverified Account - XXXX XXXX XXXX XXXX XXXX Number : XXXX Dear TransUnion, I am writing to follow up on my previous request dated XX/XX/year>, regarding the XXXX XXXX District Attorney account ( Account Number : XXXX ) XXXX XXXX my credit report. In my initial request, I asked for specific documentation and verification of the account, as required by the Fair Credit Reporting Act ( FCRA ). Despite my request and the passage of more than XXXX days, I have not received the necessary documentation or a satisfactory response. 

As stated in my prior correspondence, the following information is missing : XXXX. **Verification Documentation : ** I requested the documents used to verify this account, including any court orders or agreements bearing my wet-ink signature, but none were provided. 

XXXX. **Verification Process Details : ** I requested the name of the individual who verified this account, along with their contact information and the documents they used for verification. This information remains unprovided. 

XXXX. **Compliance with FCRA Requirements : ** Under **15 U.S.C. 1681i** and **Section 611 ( XXXX ) ( A ) ** of the FCRA, you are required to delete information that can not be verified. Your failure to provide the requested documentation indicates that this account can not be verified as accurate. 

Given your non-compliance with my initial request and the requirements of the FCRA, I am requesting the immediate removal of this account from my credit report. The continued reporting of this unverified account is in violation of federal law and adversely impacts my creditworthiness. 

Please confirm in writing that this account has been deleted from my credit report. If you fail to comply with this request, I will pursue all available legal remedies under the FCRA, including litigation for negligent noncompliance as specified in **15 U.S.C. 1681n** and **15 U.S.C. 1681o**. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Documents and Actions Explained : XXXX. Initial Dispute Letter ( XX/XX/year> ) : Purpose : This letter was your formal request to TransUnion to provide documentation proving the accuracy of the XXXX XXXX District Attorney child support account listed on your credit report. 
Content : You requested specific documents, including court orders, original agreements with your wet-ink signature, payment history, and evidence of compliance with relevant laws. You also sought information about who verified the account and how it was verified. 
Legal Basis : The request was based on the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of the information they report and provide proof of such accuracy upon request. 
XXXX. Follow-Up XXXX ( XX/XX/year> ) : Purpose : This was a follow-up to your initial request, emphasizing that more than XXXX days had passed without a response or verification from TransUnion. 
Content : The letter reiterated your request for verification documents, highlighted the failure of TransUnion to comply with the FCRA, and demanded the immediate removal of the disputed account from your credit report. 
Legal Basis : Cited FCRA requirements and emphasized the need for prompt action to correct or delete unverifiable information. 
XXXX. Communication with XXXX XXXX District Attorney : Purpose : You attempted to get XXXX XXXX District Attorney to verify the account directly, as they are the source of the reported debt. 
Outcome : Despite your efforts, XXXX XXXX was unable to provide verification within the required timeframe, which further supports your claim that the account is unverifiable. 
XXXX. XXXX and XXXX Removal Documentation : Purpose : To show that XXXX and XXXX have already removed the child support account from your credit reports. 
Content : You will provide credit reports from XXXX and XXXX showing that the account has been deleted from their records, indicating that TransUnions continued reporting of this account is inconsistent with the actions of other credit bureaus. 
XXXX. TransUnions Non-Response : Purpose : Highlight that TransUnion did not respond to your requests within the allocated time. 
Content : Demonstrates that TransUnion failed to comply with FCRA regulations by not providing verification or removing the account after a reasonable period. 

Summary of the Situation : Request for Verification : You have formally requested verification of the XXXX XXXX District Attorney account from TransUnion, citing the need for specific documentation and proof of accuracy as per FCRA requirements. 
Failure to Respond : Over XXXX days have passed since your initial request, and TransUnion has not provided the necessary documentation or responded adequately. 
XXXX and XXXX Actions : Both XXXX and Steps Moving Forward : XXXX. Document Submission : Provide the credit reports from XXXX and XXXX showing the removal of the account. This supports your claim that the account should not be reported by TransUnion. 
XXXX. Final Request to TransUnion : Given the non-response from TransUnion and the removal of the account by other credit bureaus, you should submit a final request demanding the removal of the account. Highlight the fact that : The Account is Unverifiable : XXXX XXXX was unable to verify the account and TransUnion did not respond within the required time frame. 
XXXX and Experians Actions : Both XXXX and XXXX have removed the account, indicating that it should be removed from TransUnions records as well. 
XXXX. Legal Action : If TransUnion does not comply with your final request, you may need to consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal action under the FCRA for negligent non-compliance. 

Final Request Letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Final Request for Deletion of Unverified Account - XXXX XXXX XXXX Attorney Account Number : XXXX Dear TransUnion, I am writing to follow up on my previous dispute requests regarding the XXXX XXXX XXXX Attorney account ( Account Number : XXXX ) on my credit report. Despite my initial request dated XX/XX/year>, and subsequent follow-up on XX/XX/year>, you have not provided the required documentation or verified the account. 

I have since confirmed that both XXXX and XXXX have removed this account from their records due to similar verification issues. Given that XXXX XXXX was unable to provide verification and TransUnion has not complied with FCRA requirements, I am requesting the immediate removal of this account from my credit report. 

Please confirm in writing that this account has been deleted. Failure to comply will compel me to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for FCRA violations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Final Request for Deletion of Unverified Account - XXXX XXXX XXXX Attorney Account Number : XXXX Dear TransUnion, I am writing to follow up on my previous dispute requests regarding the XXXX XXXX XXXX Attorney account ( Account Number : XXXX ) on my credit report. Despite my initial request dated XX/XX/year>, and subsequent follow-up on XX/XX/year>, you have not provided the required documentation or verified the account. 

Documentation and Actions Taken : XXXX. Initial Dispute Letters : XX/XX/year> : Formal request for verification of the XXXX XXXX District Attorney account. ( See attached document : TransUnion XXXX XXXX - Demand for Compliance with XXXX XXXX and XXXX XXXXXXXX XXXX ) XX/XX/year> : Follow-up letter reiterating the request for verification and demanding removal of the account. ( See attached document : TransUnion XXXX XXXX - Demand for Compliance with XXXX XXXX and XXXX XXXXXXXXXXXX XXXX XXXX XXXX. Identity Verification Documents : XXXX XXXXXXXX XXXX and Social Security XXXX provided to confirm my identity. ( See attached documents : XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. Proof of Account Removal from Other Credit Bureaus : Credit reports showing removal of the child support account by XXXX and XXXX. ( See attached document : child support removedXXXX XXXX XXXX. Non-Response from XXXX XXXX : Despite my requests, XXXX XXXX was unable to verify the account or provide documentation. ( See attached document : child support Complaint-ResolutionXXXX XXXX XXXX FTC Notice to Furnishers : Notice outlining my rights under the Fair Credit Reporting Act and the requirement for accurate verification. ( See attached documents : XXXX XXXX XXXX  ) Given that TransUnion has not responded within the required timeframe and other credit bureaus have already removed the account, I am requesting the immediate deletion of this account from my credit report. 

Please confirm in writing that this account has been removed. Failure to comply will compel me to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for FCRA violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Email : XXXX Attachments : XXXX. TransUnion XXXX XXXX - Demand for Compliance with XXXX XXXX and California XXXX Laws.pdf XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  child support removedXXXX XXXX child support Complaint-ResolutionXXXX XXXX FTC_Notice_To_Furnishers.XXXX XXXXXXXX notice-to-furnishersXXXX