Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Immediate Removal of Accounts as Required by 15 USC 1681XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear [ TransUnion / XXXX ], This letter is a formal demand that you immediately remove the inaccurate and unverifiable accounts referenced above from my credit report. XXXX has already deleted these accounts after their investigation, and your continued reporting of these accounts violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Under 15 USC 1681i ( a ), credit reporting agencies are required to investigate disputed information and remove any items that can not be verified. XXXX has already deleted these accounts, and it is evident that TransUnion and XXXX have failed to properly investigate this matter or are deliberately ignoring the results of XXXX 's investigation. This failure is a clear violation of the FCRA. 
To resolve this matter without further escalation, I demand that you : XXXX. Immediately delete the inaccurate and unverifiable accounts from my credit report. 
XXXX. Provide written confirmation of the deletion within 15 days of receiving this letter. 
XXXX. Provide a detailed explanation of the steps taken to verify the information. 
If you fail to comply with this demand, I will have no choice but to file a lawsuit against your company for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 1681o. I will seek statutory damages, attorney 's fees, and any other remedies available under the law. 
Please take notice that this letter serves as a final attempt to resolve this issue before I initiate legal action. I expect prompt and complete removal of these accounts to avoid further harm to my credit standing. Upon reviewing my credit report, I've noticed that these accounts are being re-aged or re-reported in violation of federal law. By altering the delinquency date or updating these accounts as if they are recent, you are engaging in deceptive practices that cause further harm to my credit profile. This illegal re-aging not only violates the FCRA but is also a breach of state statutes of limitations regarding the collection of debts. 
Therefore, I demand that : XXXX. You immediately cease the reporting of these accounts. 
XXXX. You permanently delete these accounts from my credit file. 
XXXX. You provide written confirmation of the deletions and explain what steps were taken to ensure that these violations will not continue. 
If you fail to comply with these demands, I will have no choice but to pursue legal remedies for willful noncompliance under 15 USC 1681n and negligent noncompliance under 15 USC 16810, and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. I will also explore filing a lawsuit for damages due to your unlawful reporting practices.