Consumer complaint received 2024-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I received your response with your dispute results and I need to know WHY these accounts is still remaining and you are claiming it have been verified. That's impossible because this both accounts are duplicate accounts that are reporting the same account number but different balances! so it is impossible they verified it with you. You are still reporting errors : METHOD OF VERIFICATION REASON : This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. 
METHOD OF VERIFICATION REASON : Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. 
Account Name : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Account Number : NOT PROVIDED How can this be?! Please explain to me how your agency has " so-called '' verified these accounts? I'm allowed to ask and you're REQUIRED to answer. So how did you do it?! Who did you talk to in the creditor 's office? Did you send them the information about the account that I sent in? How did you send it to them? Did you fax it, did you mail it, did you use the same mailing address and/or telephone. 

number listed on the credit report that I have ... what did you do? And furthermore, what steps did this agency take to ensure that the creditor actually investigated my dispute rather than just fraudulently telling you that it's been verified? The FCRA says that you have to tell me this within 15 days if I ask pursuant to 15 USC 1681i ( 6 ) ( B ) ( 7 ) Description of procedure. And please do not send me any more of your generic response letters of how you use various methods. I'm asking for " SPECIFICS '' on exactly how your agency actually verified these accounts that you are erroneously reporting about me and I need the not know because that would NOT be a proper investigation on your part as you are required to conduct. 
Any automated response verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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