Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/XXXX Trans Union Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear Bureau Compliance Department , RE : Declaration of Notice Concerning Inaccurate and Unverified Information on My Credit Report I am writing to formally dispute certain entries on my credit report. Specifically, I am addressing multiple allegations of inquiries that lack adequate verification in compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. These unverified entries have unlawfully injured my credit and reputation, constituting a clear infringement of my consumer and civil rights. 
Background and Legal Basis Equity jurisprudence and suretyship, supported by subrogation principles, mandate that all entries on my credit report must be substantiated with verifiable proof of permissible purpose. In line with XXXX and XXXX XXXX 's treatises, it is essential that data furnishers adhere to stringent compliance standards. As established in case law, including XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Information XXXX XXXX any failure to verify data accurately demands immediate rectification.

Constitutional and Legal Rights Under the U.S. Constitution, the following elements of the Bill of Rights and other amendments support my claim : 1. Fourth Amendment : Protects against unreasonable searches and seizures. Reporting unverified inquiries constitutes an unreasonable search into my financial records without proper justification or proof.

2. Fifth Amendment : Ensures due process of law. The inclusion of unverified inquiries without proper documentation violates my right to due process, as guaranteed by this amendment.

3. Fourteenth Amendment : Extends the protection of due process and equal protection under the law to all citizens. Reporting inaccurate or unverified information on my credit report denies me equal protection and due process.

These constitutional protections are reinforced by the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair reporting. In particular, Section 609 ( a ) ( 1 ) ( A ) of the FCRA requires credit reporting agencies to verify the accuracy of information in response to consumer disputes. Additionally, the Consumer Financial Protection Bureau ( CFPB ) enforces these regulations to ensure consumer rights are upheld.

15 USC 1681b - Permissible Purposes of Consumer Reports Per 15 USC 1681b, consumer reporting agencies may furnish a consumer report under the following circumstances only : In response to a court order or a federal grand jury subpoena.

In accordance with the written instructions of the consumer to whom it relates.

To a person that has a legitimate business need for the information in connection with a business transaction involving the consumer.

For employment purposes, insurance underwriting, or credit transactions initiated by the consumer.

Consistency Across Credit Reporting Agencies The FCRA mandates that all information on a credit report must be clear and concise across all credit reporting agencies to ensure fairness and accuracy. Specifically, 15 USC 1681e ( b ) states that Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This includes ensuring that information is consistent, accurate, and verifiable across all credit reporting agencies.

Demand for Compliance and Proof You are hereby required to physically demonstrate requisite evidence that the following account inquiries belong on my report and that my rights have not been abrogated, specifically adhering to 15 USC 1681b ( Permissible Purposes of Consumer Reports ) and ensuring consistency as per 15 USC 1681e ( b ) : 1. Creditor Alleging Inquiry : XXXX XXXX o Date of Alleged Inquiry : XX/XX/XXXX o Complaint Details : The listed allegation of inquiry is not compliant due to the absence of verifiable physical proof of permissible purpose as outlined in 15 USC 1681b. This includes, but is not limited to, inadequate documentation, untimely reporting, and lack of verifiable proof that the inquiry is mine or my responsibility. 
Supporting Case Law Several key cases have reinforced the requirements of the FCRA and the necessity for accurate reporting : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case emphasized the need for credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 
XXXX. XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that credit reporting agencies must verify the accuracy of the information they report and correct or delete inaccurate information promptly. 
XXXX. XXXX XXXX Trans Union XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed that consumers have the right to dispute information on their credit reports and that agencies must investigate and correct any inaccuracies. 
XXXX. Sepulvado v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court ruled that credit reporting agencies must ensure that the information they report is accurate and verifiable, especially when discrepancies or disputes are raised by consumers. 
XXXX  Removal Evidence It is also pertinent to note that XXXX has already removed the inquiry from my credit report. This demonstrates that the inquiry lacked the necessary verifiable proof of permissible purpose as required by law. Attached to this letter is a copy of the updated XXXX report indicating the removal of the disputed inquiry. 
Compliance Enforcement As part of this letter of compliance enforcement, it is imperative that you ensure the data providers submit the appropriate forms and paperwork within 30 days from the receipt of this request for validation. Non-compliance will necessitate the immediate deletion of the damaging account information as mandated by state and federal regulations. 
Additional Requests Furthermore, I request the deletion of any adverse notations or derogatory aspects attached to any of the aforementioned inquiries. Accurate and compliant reporting is not optional but a legal mandate. 
Enclosures Enclosed with this letter are : A copy of my current, legal, state-issued photo identification card Proof of my social security number Proof of my current lawful resident/mailing address A copy of the updated XXXX credit report indicating the removal of the disputed inquiry Conclusion I trust that you will adhere to your legal obligations and correct my credit report to reflect accurate, timely, and verifiable information. I expect to receive an updated copy of my credit report reflecting these corrections within the stipulated 30-day period. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of state-issued photo ID 2. Proof of social security number 3. Proof of current address 4. Updated XXXX  credit report indicating removal of the disputed inquiry