Consumer complaint received 2025-01-19 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:
RE : NOTICE OF INTENT TO SUE : Formal Demand for Removal of Inaccurately Verified Accounts & Violation of My Rights Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the immediate removal of the disputed accounts listed below from my credit report. Your failure to conduct a reasonable investigation and provide verification documentation violates my rights under the Fair Credit Reporting Act ( FCRA ) Despite my initial dispute and subsequent complaint filed with the Consumer Financial Protection Bureau ( CFPB ) you continue to report inaccurate, unverifiable information on my credit report. I have not received any physical documentation from the original creditors to substantiate the accuracy of the accounts in question. Your representative stated that the accounts were verified electronically, which is not a sufficient form of verification under the law. 

The FCRA mandates that credit reporting agencies must conduct a reasonable reinvestigation and provide clear, verifiable proof that the disputed accounts are valid. I am hereby putting TransUnion on notice that you have failed to meet these obligations, and if these accounts are not immediately removed, I intend to pursue legal action for statutory and actual damages. 

Disputed Accounts That Were Not Properly Verified : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX. XXXX ACCOUNT # : XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of FCRA 611 ( a ) ( 6 ) ( B ) Failure to Provide Method of Verification According to FCRA 611 ( a ) ( 6 ) ( B ), I am entitled to receive a detailed description of how you verified the disputed accounts, including the names and addresses of the furnishers and the verification method used. Simply stating that the accounts were verified electronically is insufficient under the law. You have failed to provide any documentation from the furnishers of these accounts to verify the accuracy of the information being reported. 

XXXX. Violation of FCRA 611 ( a ) ( 7 ) Failure to Provide Reinvestigation Results Under FCRA 611 ( a ) ( 7 ), TransUnion is required to provide a written notice of the results of the reinvestigation, including who verified the account and the supporting documentation used. To date, I have received no such information. This is a direct violation of my consumer rights.

3. Violation of FCRA 609 ( a ) ( 1 ) Right to Request Information in My File Under FCRA 609 ( a ) ( 1 ), I have the right to request all information in my file that TransUnion used to verify the disputed accounts. Your failure to provide this information is a clear violation of the law.

I filed a formal complaint with the CFPB regarding your handling of my dispute. Despite this complaint, you have continued to violate my consumer rights by failing to provide documentation and leaving inaccurate information on my report. This demonstrates a blatant disregard for federal regulations, and it further solidifies my intent to take legal action against TransUnion for damages.

I am demanding the immediate removal of the disputed accounts from my credit report due to your failure to verify the accounts in compliance with the FCRA. If these accounts are not removed within 15 days of receipt of this letter, I will have no choice but to proceed with filing a lawsuit against TransUnion for : - Statutory damages of up to {$1000.00} per FCRA violation - Actual damages resulting from the harm caused by inaccurate reporting - Attorneys fees and court costs Under FCRA 616 and 617, I have the right to file a lawsuit against TransUnion for willful noncompliance with federal regulations. Given your failure to comply with my request for documentation and your refusal to remove inaccurate information from my credit report, I will be pursuing legal action if the accounts are not removed promptly.

TransUnion has demonstrated a reckless disregard for my rights as a consumer by refusing to comply with the FCRA. I have given you ample opportunity to provide verification documentation, but you have failed to do so. Your lack of response leaves me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your reporting of inaccurate information.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I have repeatedly provided all required documentation to support my claim of identity theft, including a police report and an FTC Identity Theft Report, both of which are attached to my formal complaint with the Consumer Financial Protection Bureau ( CFPB ). Your continued refusal to comply with FCRA 605B, which mandates the removal of fraudulent and inaccurate accounts once proper documentation is provided, constitutes a clear violation of federal law. Sending me generic responses referencing Metro 2 guidelines instead of addressing the specifics of my case is unacceptable and a misrepresentation of my rights under the FCRA.

I strongly advise you to take this matter seriously and remove the disputed accounts from my credit report immediately. If the accounts remain on my report after 15 days, I will be filing a lawsuit in small claims court or federal court for violations of the FCRA and seeking maximum damages allowed by 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 non-monetary relief