Consumer complaint received 2025-01-06 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:
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC [ XXXX XXXX XXXX XXXX, PA XXXX ] Subject : Notice of Violation and Pre-Arbitration Failure to Comply with FCRA, FDCPA, FTC Regulations, and the False Claims Act Compliance Department, This formal notice is being provided to TransUnion LLC in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Federal Trade Commission ( FTC ) regulations, and the False Claims Act. This correspondence serves as both a Notice of Violation and a Pre-Arbitration demand regarding TransUnions willful noncompliance with the aforementioned statutes related to the reporting of the XXXX XXXX tradeline on my credit report. 

XXXX XXXX XXXX Facts of the Case It has come to my attention that TransUnion has been reporting the XXXX XXXX tradeline as verified without providing the necessary documentation to substantiate this alleged verification. Despite my repeated requests for detailed records pertaining to this account, including contracts, correspondence, signatures, and any other relevant evidence, TransUnion has failed to supply such documentation. 

This situation is notably concerning for the following reasons : 1. **Unlawful Reporting** : The continued reporting of a disputed account as verified, without adequate substantiation, violates my rights under the FCRA, which mandates that credit reporting agencies maintain accurate and complete information in consumer credit reports.

2. **Failure to Investigate** : Under the FCRA, TransUnion is required to conduct a reasonable investigation when a consumer disputes information on their report. The lack of responsive action on your part indicates a disregard for these statutory obligations. 

3. **Harm to Creditworthiness** : The erroneous reporting of the XXXX XXXX tradeline has caused significant harm to my creditworthiness, affecting my ability to secure loans and credit at favorable rates. 

XXXX XXXX XXXX  Specific Violations I am alleging that TransUnion has specifically violated the following statutes : - **FCRA ( 15 U.S.C. 1681 ) ** : Failure to ensure maximum possible accuracy, improper reporting of information, and lack of required investigation procedures.

- **FDCPA ( 15 U.S.C. 1692 ) ** : Reporting of disputed debts without proper validation. 

- **FTC Regulations** : Non-compliance with guidelines that protect consumers ' rights and require fair reporting practices. 

- **False Claims Act** : If the information reported is inaccurate, it could be construed as a false claim leading to financial harm. 

XXXX XXXX XXXX  Demand for Remedy and Compensation In light of these violations, I demand the following : 1. Immediate cessation of reporting the disputed XXXX XXXX account as verified until proper investigation and validation can be demonstrated. 

2. Provision of all documentation related to the alleged verification of the account, including contracts, correspondence, and relevant signatures. 

3. **Compensation** : Due to the numerous violations of the regulations and the significant emotional and financial stress caused by the mishandling of this dispute, I request compensation in the amount of {$1000.00} per violation. Given that there have been a minimum of five documented instances of disputes, this amounts to a total of ** $ XXXX. Additionally, considering the length of time this issue has persisted and the extent of injury and harm to my creditworthiness, I am formally requesting a total compensation of ** $ XXXX for the enduring impact. 

4. A formal written statement from TransUnion acknowledging the receipt of this notice and outlining the steps you will take to remedy these violations. 

XXXX XXXX XXXX Pre-Arbitration Notice Please consider this notice as a pre-arbitration request in accordance with the binding arbitration clause ( AGREEMENT TO RESOLVE DISPUTES BY BINDING INDIVIDUAL ARBITRATION THIS SECTION IS AN AGREEMENT TO ARBITRATE DISPUTES ( " ARBITRATION AGREEMENT '' ) THAT MAY ARISE AS A RESULT OF YOUR TRANSUNION INTERACTIVE MEMBERSHIPS, PRODUCTS OR SERVICES OR THE AGREEMENT. READ THIS SECTION CAREFULLY. YOU UNDERSTAND AND AGREE THAT BOTH PARTIES WOULD HAVE HAD A RIGHT TO LITIGATE DISPUTES THROUGH A COURT AND TO HAVE A JUDGE OR JURY DECIDE THEIR CASE, BUT BOTH PARTIES BY ENTERING INTO THIS AGREEMENT CHOOSE TO HAVE ANY DISPUTE RESOLVED THROUGH BINDING INDIVIDUAL ARBITRATION. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE OR MAY BE MORE LIMITED IN ARBITRATION, INCLUDING YOUR RIGHT TO APPEAL. ) in this matter. Should you fail to remedy the situation within [ 15 days ] from the receipt of this notice, I will commence arbitration proceedings as permitted by law. 

XXXX XXXX XXXX  Conclusion I trust that you will treat this matter with the urgency it deserves and look forward to your prompt response. Failure to comply with the demands set forth in this notice may result in further legal action, including but not limited to filing complaints with relevant regulatory authorities. 

Sincerely, [ XXXX 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