Consumer complaint received 2024-06-25
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. (CA)

**Raymond XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX **Date : XXXX **TransUnion** XXXX XXXX XXXXXXXX XXXX, PA XXXX **Subject : Second Written Request for Removal of Unverified Accounts - Violation of 15 U.S.C. 1681** Dear TransUnion, Please be advised that this is my SECOND 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 on my credit report. In the results of your first re-investigation, you stated in writing you " verified '' that these accounts 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. 

XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and the object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate. You must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have firsthand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure you are well aware, current Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on. 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 provide 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. 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 : **Name of Account : Account Number : Provide Physical Proof of Verification** XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$46000.00} - Status : XXXX late payments, Balance updated XX/XX/XXXX - Past due : {$45000.00} as of XX/XX/XXXX XXXX. XXXX XXXX XXXX  - Account Number : XXXX - Balance : {$320.00} - Status : 4 late payments, Balance updated XX/XX/XXXX - Past due : {$100.00} as of XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$130.00} - Status : 29 potentially negative months, Closed - Charge off : {$130.00} past due as of XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Status : XXXX potentially negative months, Closed - Charge off : {$84.00} written off XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$450.00} - Status : 120 days past due, Balance updated XX/XX/XXXX - Past due : {$170.00} as of XX/XX/XXXX XXXX. XXXX XXXX - Account Number : XXXX - Balance : {$230.00} - Status : 120 days past due, Balance updated XXXX XXXX, XXXX - Past due : {$40.00} as of XXXX XXXX XXXX. XXXX - Account Number : XXXX - Balance : {$530.00} - Status : 3 late payments, Closed - Past due : {$120.00} as of XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Balance : {$0.00} - Status : Paid or paying as agreed, Closed On removal of the above-noted accounts, please provide me with a copy of an updated and corrected credit report showing that these accounts have been removed. 

Thank you in advance for your anticipated quick cooperation on this matter. 

Sincerely, XXXX XXXX XXXX