Consumer complaint received 2023-05-09 00:00:00
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to you in regard to your continued violation of the Fair Credit Reporting Act ( FCRA ). Your refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file has resulted in your direct violation of the FCRA. This violation has led me 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 inaccurate, unverifiable, and invalidated items listed below are not deleted immediately, I will proceed with legal action.

As required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. However, in the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly. '' It is concerning that you have not provided me with a copy of any original documentation, including a consumer contract with my signature on it, as required under the FCRA. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.

You are in violation of the FCRA, as the unverified items listed below still remain on my credit report in violation of federal law. Please delete these items immediately, or I will proceed with legal action.

The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The following personal information is incorrect : DATE OF BIRTH : XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX CA XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation and not reporting 100 % accuracy. It lists the bankruptcy court as the furnisher, which is forgery and misleading when the courts don't report this type of account. 
XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

I did not consent to an unauthorized inquiry : XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry from my credit report. 

I did not consent to an unauthorized inquiry : XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I did not consent to an unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.

Failure to comply with this offer of settlement will result in a formal complaint to the Federal Trade Commission and pending litigation, with this letter and the inaccurate, erroneous items previously sent to you being used as evidence.

I demand that the items listed above be deleted immediately, as they are inaccurate, unverifiable, and invalidated. I recently applied for extended credit and was denied. I am in distress because of your mistakes. Please take immediate action to correct these errors.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

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