Consumer complaint received 2024-07-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear TransUnion, I am writing to express my profound dissatisfaction and frustration with your recent response to my dispute and to demand immediate corrective action. After years of disputing inaccurate information on my credit report, your latest communication is yet another disappointing and unacceptable response. 

Your letter indicates that you have determined the information submitted through your portal included a dispute of information appearing on my credit report, and that you have processed my request by forwarding a copy of the Investigation Results through XXXX mail. However, this is insufficient and does not address the core issues of my dispute. Furthermore, your response states that the documents I provided were deemed unacceptable, yet you fail to specify why, nor do you address the validity of the claims made by the creditors. 

Here are the points I demand clarity and action on : Proof of Verification Methods : How exactly did TransUnion verify the accuracy of the disputed accounts? What specific methods were used, and what were the exact details that matched? 

For the accounts listed below, I demand proof of my bear signature to validate these accounts. Without such proof, these accounts must be removed immediately as per the FCRA. 

XXXX XXXX XXXX XXXX - Account Number : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX Lack of Detailed Explanation : Your letter mentions that the documents I provided were not acceptable, but fail to detail why they were deemed so. What specific deficiencies did you find in my documentation? 
Additionally, your explanation that you contacted the creditors to verify the accuracy of the information is vague. What information did the creditors provide that led you to uphold their claims? Provide exact details and correspondence. 

Fraudulent Information and Identity Theft : You acknowledged receipt of my request to block fraudulent information due to identity theft but then claimed an inability to block the information for reasons stated in a previous letter. What were these reasons, and how do they justify the continued reporting of fraudulent information? 
Under the FCRA, I have the right to block information resulting from identity theft. Your refusal to do so without clear justification is a violation of my rights. 
Account and Inquiry Discrepancies : You mentioned that the inquiry on my credit report was deleted, yet the XXXX XXXX XXXX XXXX accounts were marked as " VERIFIED AS REPORTED. '' How can these accounts be verified without proper validation methods and my bear signature? 

Representative Information : Provide the names and email addresses of the representatives who verified these accounts. This information is crucial as it will be included in any forthcoming lawsuit or fine imposed due to your failure to comply with the FCRA. 

CFPB Complaint : I submitted a dispute to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. Your company responded on XX/XX/XXXX, which is well beyond the XXXX timeframe required by the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 611 ( a ) ( 1 ), you are required to complete the investigation within 30 days. Your failure to comply with this timeframe mandates the automatic removal of the disputed information from my credit report. 

Transunion Account Issues : On XX/XX/XXXX, I called Transunion to attempt to log in to my account. Despite verifying and answering the authentication questions correctly, the representative would not allow me into my account. When I login, I am unable to even review my credit score or receive updates. I attempted to make a new account, but I still can not view my credit score. This is unacceptable and a significant obstruction to my ability to manage and monitor my credit information. 

Demand for Immediate Action : I demand that TransUnion : Provide a detailed account of the verification process, including all correspondence with creditors. 
Supply proof of my bear signature for the disputed accounts. Failure to do so must result in the immediate removal of these accounts from my credit report. 
Clearly explain why my documentation was deemed unacceptable. 
Comply with the FCRA and block any information resulting from identity theft. 
Provide the names and email addresses of the representatives who verified these accounts. 
Remove all inaccurate information from my credit report within five business days. Failure to comply will result in legal action, and I will seek {$10000.00} in court fees for each account and inquiry inaccurately reported. 
This is my final warning. I expect a comprehensive and satisfactory response, addressing all points raised, without further delay. Failure to act accordingly will force me to escalate this matter legally. 

Sincerely, XXXX XXXX