Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
TransUnion, LLC XXXX XXXX XXXX  XXXX, PA XXXX Re : Follow-Up Dispute Alleged Repossession Account To Whom It May Concern : I am writing in response to your recent notification indicating that the above-referenced repossession trade line ( XXXX XXXX ) has been verified. This letter serves as a formal challenge to that verification, as TransUnion has not provided any verifiable documentation, nor have I seen evidence of a proper, manual reinvestigation beyond the automated e-OSCAR process. I do not consent to my personal information being processed solely through e-OSCAR without further substantiation or meaningful review. 

1. Failure to Conduct a Reasonable Reinvestigation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, TransUnion is required to conduct a reasonable reinvestigation of disputed information. A mere automated check via e-OSCAR, without obtaining or reviewing original documentation, does not fulfill the statutory requirement for a thorough investigation. 

If TransUnion does not have or maintain the documentation used to verify the accuracy of this repossession in its database, how can it claim to have verified the account? 
2. Requirement to Provide Method of Verification Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to a detailed method of verification. I request that TransUnion supply : The name, title, and direct contact information ( address, phone number, email ) of any individual at the furnisher ( and/or TransUnion ) who claims to have verified this account. 
Copies of all documentation including the original contract or any relevant records that the furnisher allegedly provided to support its claim of accuracy. 
A full explanation of the steps taken to verify this account beyond the automated e-OSCAR system. 
XXXX. Ongoing Violation of My Rights By reporting this unsubstantiated information as verified, TransUnion may be in violation of : FCRA ( 15 U.S.C. 1681n and 1681o ) regarding willful or negligent noncompliance with reinvestigation obligations. 
FDCPA ( 15 U.S.C. 1692, et seq. ), if the data furnisher or any collector is reporting and/or collecting a debt without valid, documented proof of its legitimacy.

You must either produce legitimate, verifiable evidence of this repossessions accuracy or delete the tradeline in compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which requires removal of information that can not be verified.

4. No Consent to Automated Verification Only I reiterate that I do not consent to the exclusive use of e-OSCAR or any other automated system that circumvents my right to a thorough, independent investigation. If the underlying documentation is missing, incomplete, or can not be provided, you must remove this tradeline immediately.

5. Requested Action Conduct a genuine, documented reinvestigation of the disputed repossession account. 
Remove this tradeline from my credit report if TransUnion can not obtain and provide the documentation proving its accuracy. 
Provide me with written confirmation of the deletion or a copy of the verified documentation upon completion of your reinvestigation. 
6. Good Faith Compliance Please note that failure to comply with these requests within the timeframe established by the FCRA could subject TransUnion to potential civil liability under 15 U.S.C. 1681n and 1681o. I trust that you will take prompt action to resolve this matter in compliance with federal law. 

I look forward to your timely response and an updated credit report reflecting the correct status of the alleged repossession. Thank you for your immediate attention to this issue. 

Sincerely, 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 non-monetary relief