Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion XXXX XXXX XXXX XXXX XXXX IL XXXX Attention Transunion, I recently received a response to a dispute that I made under FCRA 611 ( a ) and 15 U. S. Code 1681i regarding a few erroneous items on my credit report. I was beyond disappointed to learn that you verified the disputed items in question somehow without providing me documentation/verification and they are still on my credit report, despite multiple previous written requests, which is now a violation of federal law.

According to the Fair Credit Reporting Act, you have an obligation to have a copy of the original creditors documentation on file to verify that this information is mine and additionally, that it is reporting accurately. In the results of your initial and subsequent reinvestigation, you all simply stated in writing that you verified that these items are reported correctly, to which I ask the following question : Who verified these accounts? 
I ask because I am extremely interested in learning how you all arrived at this erroneous conclusion? I would like a complete list of all documents and any correspondence that came about in these alleged investigations. These lists should also include the names and contact information with anyone you all spoke with as part of this investigation. 
Despite my request, you all have FAILED to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). Not only that, but you have also failed to provide me with the method of verification as required under Section 611 ( a ) ( 7 ).

If you were actually familiar with and lawfully abiding by the Fair Credit Reporting Act, you would know that under Section 611 ( 5 ) ( A ), you are REQUIRED to " promptly DELETE all information which can not be verified as the law is written. This is extremely clear and clearly indicates both the civil liability and the remedy available to me ( please see Sections 616 & 617 ) if you fail to comply with Federal Law. Had you actually conducted a thorough investigation properly, as opposed to using your e-Oscar system, you would have known that these items listed below should have been removed. 

Unverified Account Name Of Account : XXXX  XXXX Account Number : XXXX Provided Physical Verification : No Name Of Account : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Provided Physical Verification : No Unverified Account Name Of Account : XXXX Account Number : XXXX XXXX XXXX Provided Physical Verification : No Unverified Account Name Of Account : XXXX  Account Number : XXXX Provided Physical Verification : No I am also including in my dispute of additional accounts I have found to be concerning identity theft as I have conducted a more thorough investigation of my XXXX Credit report which includes the below accounts and I ask you to please provide documentation/verification of these accounts as well : Name Of Account : Green Dot Bank Account Number : XXXX XXXX Provided Physical Verification : Pending Name Of Account : XXXX XXXX Account Number : XXXX Provided Physical Verification : Pending Name Of Account : XXXX XXXX Account Number : XXXX Provided Physical Verification : Pending Name Of Account : XXXX XXXX XXXX Account Number : XXXX XXXX Provided Physical Verification : Pending Name Of Account : XXXX Account Number : XXXX Provided Physical Verification : Pending I have conducted my own research in this instance and learned throughout doing so that in the case of XXXX XXXX TransUnion, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the courts ruled in each and every instance throughout those cases that the Credit Reporting Agencies absolutely can not parrot information from creditors and collection agencies . In those rulings, it has been ruled that you all are REQUIRED to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/collection agency in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not deemed reasonable! Please be aware that I am a litigious consumer and in the process of pursuing litigation in this matter to enforce my consumer rights pursuant to the Fair Credit Reporting Act in its entirety. I expect to receive a response within 15 days of receipt of this letter containing all of the information requested above, or I will expect to see the items in question permanently removed from all records. I have supplied all required documents multiple times establishing my identity; there is XXXX need for your unprofessional conduct to attempt to buy time for lack of effort on your end by saying you need further information and documentation when you have everything you need as does my representation, the CFPB and my states attorneys office. 
I would greatly appreciate your prompt and swift service here in resolving these matters. 

Sincerely, XXXX XXXX