Consumer complaint received 2025-01-19 00:00:00
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.
State: GA

Complaint narrative:
Dear TransUnion, I am writing in response to your recent communication regarding my CFPB complaint, specifically addressing the fraudulent accounts listed on my credit report. I previously filed this complaint because of accounts opened as a result of identity theft, and I am disappointed with your failure to address the issues in a timely and lawful manner. 

XXXXXXXX XXXX XXXXXXXX XXXX Accounts : In your response, you indicated that the XXXX XXXX accounts were not verified by the creditors. As a result, you are required by law to remove these unverifiable accounts from my credit report. Please be reminded that under FCRA 611 ( a ) ( 15 U.S.C. 1681i ), if information can not be verified, it must be deleted from my credit file. 

The XXXX XXXX accounts that should be removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you promptly delete these accounts from my credit report as required under the Fair Credit Reporting Act. 

USAA Accounts Failure to Provide Verification Documentation : You also indicated that the USAA accounts were verified ; however, I have not received any verification documentation from you or the creditors involved. As per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), I am entitled to receive the documentation used to verify these accounts. I have not received any such documentation via mail or otherwise, which violates my rights under the law. 

The XXXX accounts in question are : XXXX. XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX Since I have not received the necessary verification documents and these accounts have been fraudulently opened, I request the immediate removal of these accounts from my credit report, or at the very least, I request that you provide the verification documentation used to confirm these accounts. 

Legal Basis for My Request : 1. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : If information can not be verified, it must be deleted from the credit report. Since XXXX XXXX has failed to verify the accounts, they must be removed. 
2. FCRA 605B ( 15 U.S.C. 1681c-2 ) : I am requesting that all fraudulent accounts, including those from XXXX, be blocked from my credit file under this provision. 
XXXX. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) : I am requesting all verification documentation related to the XXXX accounts, as I have not received any information from TransUnion or XXXX. 
4. FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Since the XXXX accounts remain unverifiable, I request that they be removed as inaccurate or unverifiable. 

Request for Immediate Action : 1. Immediate deletion of the XXXX XXXX accounts due to their unverifiability. 
2. Immediate removal of the XXXX accounts, unless you provide the verification documentation, which I have a right to review. 
3. Full documentation used to verify the XXXX accounts, as required under FCRA 609 ( e ). 

Please be advised that I have escalated this issue to the Consumer Financial Protection Bureau ( CFPB ), as my previous attempts to resolve this dispute have not been adequately addressed. Failure to provide the requested documentation or resolve this matter in accordance with the Fair Credit Reporting Act will result in further escalation, including additional complaints to the CFPB or potential legal action. 

I expect to receive a response and resolution within XXXX days, in accordance with the timelines set forth under the FCRA.

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 non-monetary relief