Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
Dear Transunion, FORMAL DEMAND FOR REINVESTIGATION PROCEDURE AND DOCUMENTATION Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This is a formal request under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ) and 1681i ( a ) for a complete and detailed description of the procedure used in verifying the above-referenced account following my prior dispute. 
You are hereby demanded to provide the following within XXXX calendar days : XXXX. Full Investigation XXXX XXXX The method of reinvestigation ( manual, automated, hybrid, or via e-Oscar ) Name or ID of the agent or department that conducted the review Date and timestamp of the verification and each step taken A full copy of the Automated Consumer Dispute Verification ( ACDV ) form submitted to the furnisher A full copy of the furnishers response, including any supporting documentation XXXX. Original Documentation Used for Verification You are required to furnish the original source materials relied upon for this account : Original application or contract bearing my wet-ink signature Itemized billing statements and payment records Complete chain of title ( including bill of sale, assignment, or transfer agreement ) NOTE : Screenshots, photocopies, PDFs, images of scans, or retyped documents are not accepted as valid evidence. These materials lack metadata, verifiable chain of custody, and authenticity per the Federal Rules of Evidence. Only original, notarized, or certified documents will be considered valid verification.

3. Metro 2 Compliance Confirmation If the furnisher reports using the Metro 2 format, include : Full Metro 2 data output ECOA Code Compliance Condition Code DOFD ( Date of First Delinquency ) Account Status Code All other data fields required by CDIA standards ________________________________________ XXXX. Supplemental Validation & Legal Proof Requests To satisfy your statutory obligations, also provide : A notarized affidavit from the furnisher affirming accuracy under penalty of perjury Original data transmission logs between the furnisher and CRA Copy of the Data Furnishing Agreement between you and the furnisher Proof that the furnisher is state licensed to furnish or collect in my jurisdiction Internal CRA notes, or correspondence related to this account The Data Integrity Review logs tied to your verification decision Identity of any third-party vendors used ( e.g., XXXX, XXXX, XXXX ) Any audio recordings or transcripts related to reinvestigation contact The full chain of custody and timestamps of data modifications XXXX. Additional Compliance-Based Requests In accordance with FCRA 604 and 609 : Provide documentation showing the original permissible purpose for reporting or accessing this tradeline under FCRA 604 Identify the party or creditor who first initiated furnishing, and produce the authorization or trigger for that data Disclose the names, job titles, and internal credentials of all individuals involved in the review, verification, or approval of this account 's status Provide the policy or workflow documentation that governed your reinvestigation decision for this specific dispute This request is made in good faith under FCRA. If any of the above materials do not exist or were not used in your reinvestigation process, this account is legally unverifiable and must be permanently deleted. 

Failure to Comply Failure to fully respond with complete documentation within XXXX calendar days constitutes willful noncompliance with FCRA 611 and 1681i. I will immediately escalate this matter to the State Attorney General, and if necessary, initiate civil litigation under FCRA 1681n for statutory and actual damages.

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