Consumer complaint received 2024-04-22
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)

Subject : Request for Detailed Explanation Regarding Investigation of Account Reporting Dear transUnion, Account XXXX XXXX XXXX, I am writing to express my concern regarding the recent investigation conducted on the account information you have reported on my credit report. After requesting an investigation, I received notification that the investigation was complete. However, I am seeking clarification on the process and the findings of your investigation. 

To ensure transparency and accuracy, I kindly request the following information : XXXX. Please provide a detailed explanation of the findings that led your representatives to believe that the reported item is being reported legally. 

XXXX. Which certified documents were reviewed during the investigation process? 

XXXX. Could you please provide a complete copy of all information transmitted to the data furnisher as part of the investigation? 

XXXX. What were the costs associated with obtaining the necessary documents for the investigation? 

XXXX. Can you furnish proof of the timely procurement of certified documents? 

XXXX. Did your representatives directly communicate with any agent of the company responsible for reporting the information to confirm its accuracy? If so : - Who was contacted? 
- When did this conversation take place? 
- How long was the duration of the conversation? 
- What was their position within the company? 
- What phone number was used to contact them? 
- Who from your company spoke with them? 
- What is the position of your employee who communicated with them? 
- How long has this individual been employed by your company? 
- What specific training was provided to this employee for investigating such matters? 
- Were there any emails or written communications exchanged between your employees and the aforementioned party? 

XXXX. If applicable, please provide copies of all correspondence and conclusive documentation regarding the investigation. 

XXXX. Kindly provide the date of commencement of delinquency. 

XXXX. Please specify the specific date when reporting of this item will cease. 

Additionally, I request a notarized affidavit confirming the accuracy of the provided information, in accordance with my civil rights granted under federal laws. A template response will not suffice, given the detailed nature of my initial dispute. Failure to provide the requested information in a timely manner, as mandated by laws such as the Fair Credit Reporting Act, will result in my immediate demand for the permanent removal of this item from my credit report. 

The erroneous entry has significantly impacted my credit rating and caused both financial and emotional distress. If the requested deletion or documentation is not provided, I will pursue the enforcement of my constitutional rights through federal court proceedings. I am prepared to proceed with formal discovery processes and necessary depositions to ensure transparency and accountability. 

I appreciate your prompt attention to this matter and look forward to your comprehensive response. 

Sincerely, XXXX XXXX