Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
Formal Demand for Deletion Due to FCRA & FDCPA Violations Dear Credit Reporting Agencies, This is a formal dispute letter regarding inaccurate, unverifiable, and improperly reported charge-offs and collection accounts listed on my consumer report in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under these laws, I am entitled to a full and thorough reinvestigation of the disputed accounts. Your failure to do so within the legal timeframe will result in legal action for full compensation under the law, including statutory and punitive damages. 

I demand a proper method of verification ( MOV ) for the following disputed accounts under 15 U.S. Code 1681i ( a ) ( 7 ) & 15 U.S. Code 1692g ( b ) : Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} Legal Violations & Demand for Immediate Deletion 1. Violation of 15 U.S. Code 1681i ( a ) ( 1 ) - Failure to Properly Investigate Under this law, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days. If you can not verify these accounts with physical documentation from the original creditor, you must delete them immediately.

2. Violation of 15 U.S. Code 1681i ( a ) ( 7 ) - Failure to Provide Method of Verification ( MOV ) I formally demand that you provide a detailed description of your method of verification used to confirm the accuracy of these accounts, including : The name and contact information of the individual who verified the accounts. 
The documents reviewed to verify the accounts. 
The date and method of your verification process. 
Failure to provide this information within 15 days will be considered non-compliance, requiring the immediate deletion of the disputed accounts. 
3. Violation of 15 U.S. Code 1692g ( b ) - Failure to Validate Debts ( For Collections ) Under the FDCPA, if a debt collector fails to provide proper validation of a debt upon request, they must cease all collection activities, including reporting to credit bureaus. The collection agencies associated with these accounts have failed to provide proper validation, which makes the reporting of these debts illegal. 
4. Violation of 15 U.S. Code 1681s-2 ( b ) - Furnishers Reporting Inaccurate Information If the original creditor or collection agency has provided information that can not be verified, it is your duty to delete the account immediately. Continuing to report unverifiable information is a willful violation of the FCRA, and I am prepared to pursue legal action for full compensation under 15 U.S. Code 1681n.

5. Violation of 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance Since I have previously disputed these accounts and you failed to correct the inaccuracies, you are now liable for damages, including attorney fees, statutory damages of {$1000.00} per violation, and punitive damages in a court of law. 
My Demands & Legal Intent Since you have already failed to conduct a reasonable reinvestigation, and your data furnishers have failed to provide proper validation, I am demanding : Immediate deletion of the disputed accounts from my consumer report. 
A written confirmation of the deletion within 15 days. 
A detailed explanation of the method of verification ( MOV ), including names, documents, and the process used. 
If you fail to comply with these demands, I will : File complaints with the CFPB, FTC, and my states Attorney General. 
Pursue legal action for willful non-compliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o. 
Seek full compensation, including statutory damages, attorney fees, and punitive damages. 
I expect an immediate resolution of this matter. If you fail to comply, I will not hesitate to exercise my full rights under federal law.

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