Consumer complaint received 2025-05-30 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 XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX Tel : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX CC : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Method of Verification Request File # XXXX To Whom It May Concern, I am writing to formally request the method of verification for the XXXX account currently listed on my credit report. This request is in reference to the dispute I previously submitted, regarding criminal and financial identity theft, which resulted in the fraudulent reporting of the XXXX account on my credit file. Your recent response, dated in relation to file number XXXX, stated that the account is being reported accurately and has now been updated. 

I wish to reiterate and emphasize that this account is fraudulent .As this is a case of criminal identity theft, and you are asserting that the account is accurately reported, it is now incumbent upon you to substantiate your claim by providing documentary proof that the account belongs to me and that this account was not opened fraudulently. Since you are claiming that you investigated the matter and that the account is reporting accurately.If you can not provide such information, then the account must be immediately deleted from my credit report in compliance with federal law. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my right to request the method of verification of this account. The law mandates that within XXXX ( XXXX ) business days of receiving such a request, you must provide : The name of the individual or department contacted during the investigation. 

The address and telephone number of that individual or department, if reasonably available. 

A detailed description of the procedure used to verify the accuracy and completeness of the information. 

Further, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified, it must be deleted from the consumers credit file. 

As part of this formal method of verification request, I require the following : The name and department of the person or representative you contacted at XXXX. 

The date and time of the communication. 

Copies of all documents submitted to you showing that I opened and own the account. 

Payment history records related to the account in question. 

A copy of the ID documents used to open the account. 

Any documents bearing my signature indicating that I applied for or agreed to open such an account. 

A superficial or automated verification using XXXX or the use of other third party credit bureaus is insufficient and does not satisfy the legal requirement of a reasonable investigation. This has been affirmed by several federal court rulings : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Credit bureaus must go beyond merely accepting the data provided by the furnisher. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) An automated response without meaningful investigation fails to meet FCRA standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishers must fully investigate disputes, not rely solely on automated systems or third party credit bureaus. 

These court rulings make it clear that the verification process must be thorough and evidence-based. If you are unable to provide the required information and documentation within XXXX ( XXXX ) business days, then under federal law, you are required to delete the XXXX account from my credit file without delay. 

Additionally, all documents must be delivered to me via a trackable and verifiable method such as certified mail with tracking or another delivery service that provides proof of receipt. You may not simply claim to have sent the documentation without verifiable delivery. 

If this matter is not resolved lawfully and promptly, I will pursue further action including filing formal complaints with the CFPB, the FTC, and seeking legal recourse for violations of my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX  XXXX Tel : ( XXXX ) XXXX Email : XXXX 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 explanation