Consumer complaint received 2025-02-24 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: GA

Complaint narrative:
CERTIFIED MAIL # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion Attn : Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX FORMAL DEMAND FOR REMOVAL, SUPPRESSION OF UNLAWFUL ACCOUNT, AND NOTICE OF LEGAL ACTION TransUnion, This letter serves as formal legal notice that your agency has unlawfully reinserted a previously removed account into my credit report, directly violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, 1681i, and 1681s-2 ( b ).

Your actions are identical to the violations for which the Consumer Financial Protection Bureau ( CFPB ) recently fined XXXX {$15.00} XXXX. If this matter is not resolved immediately, I will pursue all available legal remedies against your agency. 

CFPB ENFORCEMENT ACTION AGAINST XXXX PRECEDENT FOR YOUR LIABILITY On XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) issued a landmark enforcement action against XXXX XXXX and XXXX XXXX XXXX XXXX, penalizing them {$15.00} XXXX for blatant FCRA violations. The CFPBs investigation uncovered systemic failures, including : Reinserting previously deleted accounts without legal certification. 
Failing to notify consumers when accounts were unlawfully reinserted into their credit reports. 
Conducting superficial, inadequate reinvestigations that ignored consumer-provided evidence. 
Relying on defective automated systems instead of fulfilling their legal obligation to conduct meaningful human reviews. 
The CFPBs findings were damning, concluding that XXXX knowingly and willfully engaged in deceptive and unfair credit reporting practices, resulting in irreparable harm to consumers across the United States. 
Your agency is now engaging in the exact same misconduct. The precedent has been setif XXXX can be held accountable, so can you. Any further failure to comply with federal law will result in swift regulatory complaints, legal action, and pursuit of maximum statutory and punitive damages against your organization. 

VIOLATIONS OF FEDERAL LAW 1. Violation of 15 U.S.C. 1681c-2 ( b ) : Unlawful Reinsertion Without Certification You have failed to provide legal certification from the furnisher before reinserting this account.

You have failed to notify me of this reinsertion within five ( 5 ) business days.

2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Failure to Notify the Consumer The law requires that I must be notified in writing if previously deleted information is reinserted.

I never received such notice, making this reinsertion unlawful.

3. Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Remove the Account During Investigation This section requires that disputed information be suppressed while a reinvestigation is pending. 
If this account is still appearing on my report while under review, you are in direct violation of federal law.

4. Violation of 15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate The furnisher must conduct a meaningful, detailed reinvestigation and can not rely on automated systems like e-OSCAR. 
In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court ruled that mere electronic verification is insufficient under the FCRA. 


IMMEDIATE DEMANDS 1. IMMEDIATE SUPPRESSION OF THIS ACCOUNT DURING REVIEW Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), this account must be suppressed during reinvestigation. If this account remains on my credit report w
hile under dispute, you are in direct violation of federal law and will face immediate regulatory complaints and legal action.

2. PERMANENT SUPPRESSION UNLESS EXTREME DOCUMENTATION IS PROVIDED If you or the furnisher attempt to reinsert this account in the future, the following must be provided before reinsertion is allowed : A. Complete Investigation Log A full audit trail of every action taken to verify this account. 
Names and employee IDs of every individual involved in the review process. 
Timestamps of every action performed.

B. Chain-of-Custody Documentation for the Account All records showing the legal transfer of this account from the original creditor to the current furnisher.

Copies of all billing statements proving the debt is valid and accurate.

C. Internal Communications & Investigation Notes All emails, memos, or internal notes related to this reinvestigation.

The name and title of the person who signed off on the certification of accuracy.

D. Full Call Logs, Audio Recordings, and Transcripts If any phone verification was conducted, I demand full call recordings and transcripts.

Failure to provide this evidence indicates an incomplete investigation.

E. Legally Sworn Affidavit from a Corporate Officer A corporate officer ( not a customer service representative ) must sign under penalty of perjury that all provided information is true, accurate, and legally certified.

Failure to provide this sworn affidavit renders the certification legally invalid.

REQUEST FOR ORIGINAL CREDITOR DOCUMENTATION I demand the following documentation to validate the accuracy of the disputed account : XXXX. Money net daily log transaction report ( XXXX ) XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Call Report ( line XXXX owed to you ) XXXX. RC-E ( Line XXXX identical to XXXX ) XXXX. Collateral Cash Deposit account to offset or set off the balance XXXX. XXXX XXXX, XXXX XXXX XXXX. XXXX  # for account XXXX. XXXX XXXX XXXX XXXX. Verification of Deposit Certificate If TransUnion refuses to comply, I will submit a XXXX XXXX form to the XXXX Treasury for further investigation. 

THIRD-PARTY DEBT COLLECTORS REQUIRED DOCUMENTATION If a third-party collector claims ownership of this debt, I demand : 1. Bill of assignment, Proof of Sale, Proof of Purchase ( showing they legally acquired my account ).

2. Proof that capital gains tax was paid ( if purchased at a discounted rate ).

3. Forward Flow Agreement.

4. Chain of assignment.

5. Transfer of assignment documentation.

NOTICE OF LEGAL CONSEQUENCES FOR NONCOMPLIANCE If my demands are not fully met within 7 days, I will take immediate legal action, including : 1. Filing formal complaints with the CFPB, FTC, and Georgia Attorney General.

2. Initiating a lawsuit under 15 U.S.C. 1681n & 1681o, seeking : o Statutory damages of {$1000.00} per violation. 
o Punitive damages. 
o Full reimbursement of legal fees and court costs. 
XXXX. Requesting an official audit of TransUnions reinvestigation practices.

FINAL WARNING : COMPLY OR FACE LEGAL ACTION I expect : Written acknowledgment within five ( 5 ) business days.

Full resolution within fifteen ( 15 ) calendar days. 
THIS IS YOUR FINAL OPPORTUNITY TO AVOID LEGAL ACTION. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UCC 1-308 CERTIFICATE OF ACKNOWLEDGEMENT OF NOTARY PUBLIC STATE OF : XXXX XXXX OF XXXX This document was acknowledged before me on the XXXX day of XX/XX/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