Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it XXXX concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. I requested an investigation because I felt the item ( XXXX ) below were not being reported legally. XXXX XXXX XXXX Account # : XXXX * XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX *XXXX XXXX XXXX XXXX Account # : XXXX *XXXX  Account XXXX XXXX XXXX * XXXX XXXX XXXX  Account # : XXXX I received a letter stating that your investigation was complete and the items listed above were Verified. 
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. 
XXXX requires sufficient documentary evidence to prove the information 's truthfulness. Neglecting to consult important documents, such as account applications, is a violation of the FCRA, as demonstrated in cases like XXXX vXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Your response should to me should include the following at a minimum. 
XXXX Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
XXXX What certified documents were reviewed to conclude your investigation? 
XXXX Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
XXXX What did it cost your company to obtain the documents needed to complete your investigation? 
XXXX Please provide proof of your timely procurement of certified documents. 
XXXX Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
a If yes to above : i Who did you speak to? 
ii On what date? 
iii How long was the conversation? 
XXXX XXXX was their position? 
v What telephone number did you call? 
vi XXXX is the name of the employee of your company that spoke directly to the above party? 
XXXX XXXX is the position of the employee of your company that spoke directly to the above party? 
XXXX XXXX long has that employee been employed by your company? 
XXXX XXXX formal training was provided to this employee to investigate items of this kind? 
x Was there any e-mail or written communication between members of your company and the above party? 
XXXX Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
XXXX Provide the date of the commencement of delinquency. 
XXXX Provide the SPECIFIC date reporting that these items will cease.

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