Consumer complaint received 2025-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request the method of reinvestigation regarding my dispute, which was initiated on XX/XX/year>, and has been marked as completed. The dispute file number is XXXX, and it pertains to the following accounts : 1. ) XXXX XXXX XXXX XXXX. ) Virginia Bankruptcy Court Public Records 3. ) XXXX XXXX The results of this dispute were returned as verified as accurate with the status updated. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 7 ), I am legally entitled to receive a description of the method TransUnion used to verify this information within 15 days of my request.

FCRA Violations and Legal Obligations Under the FCRA, TransUnion is required to ensure the maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ). If TransUnion has failed to conduct a proper reinvestigation or continues reporting inaccurate information after my dispute, this would be a violation of the law. 
Potential Violations : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) TransUnion must conduct a reasonable reinvestigation when a consumer disputes an item. If TransUnion verifies incorrect information without proper verification, it is in violation of this requirement.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) If TransUnion continues to report inaccurate information after a dispute, it is failing to meet its legal duty to ensure accuracy under the FCRA. 
Neglecting to Provide the Method of Verification ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Consumers have the right to request details on how an account was verified. If TransUnion refuses or ignores this request, it is in violation of the FCRA.

Willful or Negligent Noncompliance ( 15 U.S.C. 1681n & 1681o ) If TransUnion knowingly or recklessly verifies false information or fails to properly handle a dispute, it can be held legally liable for damages.

Formal Demand for Compliance In compliance with the FCRA 15 U.S.C. 1681i ( a ) ( 7 ), I demand that TransUnion provide : The name and contact information of the entity that provided the verification. 
A detailed explanation of how the information was verified. 
Copies of any documentation, correspondence, or records used in the reinvestigation process to confirm that these accounts rightfully belong to me. 
Notice of Legal Action if Noncompliance Occurs If TransUnion fails to provide the requested information within 15 days, this will result in additional violations of 15 U.S.C. 1681n & 1681o, which hold credit reporting agencies liable for willful or negligent noncompliance with the FCRA. 
If my request is ignored or improperly handled, I will have no choice but to pursue legal action in federal court for : Failure to conduct a proper reinvestigation. 
Failure to ensure maximum possible accuracy in reporting. 
Failure to provide the method of verification upon request. 
Additionally, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for TransUnions noncompliance with federal consumer protection laws. 
I expect a full response within 15 days of receipt of this request, as required by law. If TransUnion can not validate the accuracy of the disputed accounts, I demand their immediate removal from my credit file. 
This letter serves as my formal demand for compliance with federal law.

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