Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Notice of Intent to File Lawsuit for FCRA Violations Inaccurate Reporting and Failure to Provide Method of Verification To Whom It May Concern, This letter serves as formal notice of my intent to pursue legal action against TransUnion LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., resulting from your ongoing failure to properly investigate and remove an inaccurately reported XXXX credit card account from my consumer credit file. 

I affirm that I have no knowledge of ever applying for, owning, or using a XXXX credit card, nor have I made any late payments on such an account. I have disputed this item several times, and each time your investigation response falsely states that the account is accurately reported. This continued reporting constitutes a violation of your duties under XXXX XXXX. XXXX ( a ) to conduct a reasonable reinvestigation of disputed information. 

I further exercised my rights under XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) and submitted a request for the Method of Verification ( MOV ) through the Consumer Financial Protection Bureau ( CFPB ) portal. In that request, I explicitly asked for the following details : The name and department of the individual you contacted at the data furnisher ( XXXX ) The date and time of that contact Copies of all documentation provided to you as proof that the account belongs to me Any signed contract allegedly tying me to Discover Any documents supporting payment history, or lack thereof To date, you have not provided this information, and more than XXXX business days have passed since my requestviolating XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( ii ). The law clearly states that if a consumer requests details about the reinvestigation process, including the MOV, the credit reporting agency must respond within XXXX business days. If you are unable to verify the item using original source documentation from the creditor, you are required to delete the account immediately from the consumer report. 

Moreover, relying on automated systems such as e-OSCAR or simply regurgitating data from other bureaus or third-party vendors does not constitute a reasonable investigation, as required by XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). This has been affirmed in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the court held that credit bureaus must do more than passively forward disputesthey must engage in a genuine and thorough investigation. 

Because of your failure to conduct a lawful investigation, and failure to comply with timely MOV disclosure, TransUnion is now in violation of the FCRA. Per XXXX XXXX. XXXX and XXXX, I am entitled to pursue legal action seeking : Up to {$1000.00} in statutory damages per violation Actual damages, where applicable Punitive damages Attorneys fees and court costs If the XXXX account is not immediately removed from my file, I will file a formal complaint in state or federal court against TransUnion LLC without further notice. 

Please resolve this matter within XXXX  days of the date of this letter to avoid further legal consequences. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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