Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
Please be advised that I currently have an active federal lawsuit pending in the XXXX XXXX XXXX for the XXXX XXXX XXXX Texas ( Case No. 
XXXX ) against XXXXXXXX XXXX XXXX XXXX for similar procedural and reinsertion violations under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. This serves as a final opportunity for your agency to comply with your FCRA obligations before I extend litigation to include your organization. '' procedural requirements under the Act. 

Because your agency has engaged in substantially similar conduct regarding the same fraudulent accounts and disputed information, this letter serves as an opportunity to review your records and immediately correct all procedural violations before similar litigation is initiated against your company. 

I have been disputing a fraudulent account which you have went through cycles of delete and reinsert while violating several FCRA laws. The account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please confirm in writing within 15 days that your agency has : XXXX. Fully complied with the 4-business-day blocking requirement under FCRA 605B ( 15 U.S.C. 1681c-2 ) upon receipt of EACH dispute of identity theft with my name identity theft /police reports and supporting documents ; XXXX. Refrained from verifying or reinserting any information previously blocked as fraudulent without first providing the required 5-day notice and furnisher contact information under FCRA 611 ( a ) ( 5 ) ( B ) ; and provided the documents to me the furnisher provided that you used to verify the accuracy 3. Conducted all reinvestigations and communications with furnishers in accordance with FCRA procedural mandates, not discretionary policy.

This notice is not a settlement demand. It is a good-faith effort to resolve your violations prior to federal litigation, which may include claims for actual, statutory, and punitive damages, as well as attorneys fees and costs under 15 U.S.C. 1681n and 1681o. 

I have prepared my complaint which is over XXXX exhibits and XXXX pages showing the timelines of my dispute and your responses or lack of responses to show the negligence and non compliance on your agencys behalf that show procedural violations of FCRA laws and harm to me from the loss of an auto loan that subsequently led to losing a XXXX logistics contract that are included as exhibits. 

This is no longer about verification this is about failing to be in compliance with 15 USC 1681eb which you have failed to adhere to by what seems like will not incompetence. You know the laws.

If you wish to discuss resolution or provide written proof of compliance, please respond in writing to the address above or by email within 15 days of receipt. After that I will be moving forward seeking compensation. I look forward to your speedy attention to this matter. Id love to avoid litigation but will file if you do not accept this as my LAST opportunity to avoid court. 

Sincerely, XXXX 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 explanation