Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has not removed XXXX XXXX from my consumer report. I have previous claim against them and according to the non monetary solution the ACCOUNT WAS TO BE DELETED OFF MY CONSUMER REPORT AS OF XX/XX/XXXX Please refer to CFPB complaint # XXXX. 

ON XX/XX/XXXX I called Transunion @ XXXXXXXX XXXX and I spoke with supervisor XXXX XXXX '' I I explained to her my concerns with the Account on my credit. I also explained to her my pervious CFPB report # XXXX. I sent in the CFPB results to TRANSUNION via CERTIFIED MAIL on XX/XX/XXXX. Tracking # XXXX XXXX verbalized that they have received the certified mail and she was aware of the CFPB results and the account had not been removed! This is a direct violation of my Consumer Rights and I will move forward with legal representation if this account is not removed from my consumer report IMMEDIATELY TRANSUNION This is the third time I have contacted your company and you have still failed to delete. I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 
I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 
So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately, which I am sure you are already aware of. 
All the accounts listed below need to be deleted off of my credit report IMMEDIATELY : If your company, XXXX, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your wilful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act Sincerely, See attached proof of Certified Mail and CFPB REPORT XXXX