Consumer complaint received 2018-02-28
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. (FL)

Complaint:
Despite my three ( 3 ) previous formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Every time I submit a dispute request I am just told the information will be re-investigated, but the documents & information I requested is NOT provided to me. I have given Transunion far more than the number of days allotted to do an investigation on my dispute, but Transunion IGNORED them. 

As you know with information breaches and the possibilities of identity theft it is important to do a proper investigation. My family has endured enough DEFAMATION AND SLANDER from Transunion NOT providing accurate information and ENOUGH IS ENOUGH!!! XXXX & XXXX   have deleted this inaccurate information & I demand Transunion follow suit and update my Transunion credit report accordingly to show my true credit history, as these inaccuracies should not be reflecting on my credit report. 

In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? However, you have still not identified who in your company verified the accuracy of these accounts, or how they verified them? Nor have you provided the physical proof of such verification. 

Again, XXXX XXXX XXXX defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law. 

Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist, and therefore is proof that you can not properly verify the accuracy of any of the disputed accounts. 

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. 

Due to your continued willful disregard of the law, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days of your receipt of this letter. I have attached the tracking number for this parcel. 

A copy of this letter, as well as copies of the three previously written letters sent to you by certified mail, with proof of delivery, will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 

These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with Federal Law and remove these items, or provide me with the physical proof of verification. 

As I have repeated in the past communications, I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

In order to avoid legal action I will demand that you delete all of the unverified accounts listed below IMMEDIATELY. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

*XXXX XXXX XXXX XXXX XXXX ( late payments ) *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( late payments ) *XXXX XXXX XXXX XXXX   XXXX ( late payments ) XXXX XXXX XXXX XXXX   XXXX ( late payments ) *XXXX XXXX *XXXX XXXX *XXXX XXXX LLC XXXX *XXXX XXXX XXXX XXXX In addition I have disputed & it was confirmed the following inquiries were removed, but they still remain : *XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX *XXXX   XX/XX/XXXX Thanking you in advance for your anticipated quick co-operation on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation