Consumer complaint received 2024-08-07 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: OR

Complaint narrative:
I am writing to formally request the verification of the accounts I have disputed with your company. According to your own policy, Transunion has specific guidelines regarding the inclusion of certain items on credit reports. 

Please provide the following information : The documents you used to verify these disputed accounts. 
The name of the person in your company who verified these accounts. 
The specific documents that were used to verify them. 
The name, business address, and telephone number of the individual who verified these accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as : " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' " Verification '' is defined 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. 
This means that your company must be able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate. You must be able to present this evidence in a court of law if necessary. Someone in your company must authenticate the documents in your files used to verify the disputed accounts, and they must have firsthand knowledge of the alleged account ( s ) and all related transactions, under oath and penalty of perjury.

As I am sure you are well aware, current Federal case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report. Their responsibility must consist of more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed accounts. This means that you have NOT verified, or you can not verify any of these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified.

For collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A court order authorizing a consumer reporting agency to provide a consumer report, A written authorization from the debtor to obtain a consumer report, or A contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Case law supports this position, as seen in : XXXX XXXX XXXX XXXX Trans Union LLC, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX Illinois ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Case : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX It is important to note that child support accounts and judgments are not considered credit transactions, and it is illegal to report them on a credit report. 


I expect a prompt response to this request. Failure to comply may result in legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). Deletion Of DEPT OF JUSTICE Child Support Account Account Name : DEPT OF JUSTICE Child Support Account : : # XXXX Account # XXXX Account # 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