Consumer complaint received 2024-05-05
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX XXXX XXXX Phone Number : XXXX [ XXXX TransUnion TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, Re : Account Name and Number This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely [ inaccurate/incorrect/incomplete/erroneous/misleading/outdated ]. I have listed the items below which are incorrect and need to be deleted from my credit file. 

Line Item XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Item Description : Credit Card Line Item XXXX XXXX XXXX XXXX  - Account Number XXXX Item Description : Secure Loan Line Item XXXX XXXX XXXX - Account Number XXXX Item Description : Sales Contract In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately [ delete/update/correct ] the item. Furthermore, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report to within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your reinvestigation as required by the Fair Credit Reporting Act.

To ensure transparency and accuracy, I kindly request the following information : 1. Please provide a detailed explanation of the findings that led your representatives to believe that the reported item is being reported legally.

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

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

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

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

6. 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? 

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

8. Kindly provide the date of commencement of delinquency.

9. 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. Please provide Physical Proof of documentation with my signature I appreciate your prompt attention to this matter and look forward to your comprehensive response. 

Sincerely, XXXX XXXX XXXX