Consumer complaint received 2025-01-17 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:
NOTICE OF INTENT TO LITIGATE Date : XX/XX/XXXX To : TransUnion This serves as formal notice of my intent to pursue legal action against TransUnion for its repeated, willful, and negligent violations of the Fair Credit Reporting Act ( FCRA ), Federal Trade Commission ( FTC ) XXXX, Fair Debt Collection Practices Act ( FDCPA ), and False Claims Act ( XXXX ) in connection with its handling of disputes regarding the tradeline associated with XXXX XXXX and the delayed reporting of a Kikoff account. 

Violations and Noncompliance : XXXX. Failure to Provide Method of Verification ( FCRA Violations ) : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ), TransUnion is required to provide the results of a reinvestigation and the method used to verify disputed information. Despite repeated disputes and demands for documentation regarding the XXXX XXXX XXXX, TransUnion has failed to provide the mandated Method of Verification, instead returning disputes with unsupported statements of Verified or Updated without explanation. 
XXXX. Unauthorized Disputes and False Investigations : TransUnion has opened multiple unauthorized disputes concerning the XXXX XXXX XXXX, including XXXX received via secure correspondence as recently as yesterday, all of which were returned with unverifiable conclusions of Verified or Updated without supplying any documentation or confirming the validity of the disputes. This repeated misconduct directly violates 15 U.S.C. 1681i, which requires credit reporting agencies to conduct thorough and reasonable investigations for all disputes. 
XXXX. Failure to Timely Report Kikoff Account ( FCRA Violations ) : TransUnion failed to report timely updates for my Kikoff account, which was opened in XX/XX/XXXX and reported payments for XXXX months. As of today, XX/XX/XXXX, this failure to report has caused a XXXX loss in my XXXX XXXX. This delay and failure to ensure accurate and timely reporting further violate 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reports. 
XXXX. XXXX XXXX Delays and XXXX : Be reminded that my identity has already been verified in prior disputes where TransUnion delayed responses far beyond the statutory timeline. Any further requests for identity verification or claims that my credit file can not be accessed using my given and verified information would constitute further violations of the FCRA, FTC XXXX, and False Claims Act, reflecting a pattern of obstruction and bad-faith practices. 
XXXX. Deceptive Practices and Misrepresentation ( FTC XXXX and XXXX Violations ) : XXXX failure to comply with statutory procedures, combined with its lack of transparency and repeated unauthorized actions, constitutes deceptive and unfair practices under Section XXXX of the FTC XXXX ( XXXX U.S.C. XXXX ). Additionally, its misrepresentation of disputes and failure to provide mandated documentation reflect breaches of the False Claims Act and federal consumer protection laws. 

Demand for Remedies : To resolve this matter, I demand the following : XXXX. XXXX provision of the XXXX of XXXX for the XXXX XXXX tradeline disputes, as required under 15 U.S.C. 1681i ( a ) ( 7 ). 
XXXX. Full disclosure of all investigation and verification documents, including correspondence with data furnishers, as required under 15 U.S.C. 1681g ( a ) ( 1 ). 
XXXX. Cease all unauthorized disputes and ensure no further disputes are initiated without my explicit authorization. TransUnion must provide verification documentation or remove unverifiable tradelines without opening additional disputes. 
XXXX. XXXX reporting and correction of the delayed updates to the XXXX account, ensuring compliance with 15 U.S.C. 1681e ( b ). 

Demand for Damages : Due to XXXX egregious misrepresentation, willful noncompliance, and deviation from mandated procedures, I am demanding {$50000.00} in damages to address the financial harm, emotional distress, and time expended in resolving this matter. These damages are permissible under 15 U.S.C. 1681n ( willful violations ) and 15 U.S.C. 1681o ( negligent violations ).

Legal Precedents and Consequences : TransUnion has faced prior liability for similar violations, including : XXXX XXXX TransUnion ( XXXX ) : A landmark case in which TransUnion was found liable for failing to comply with FCRA procedures, resulting in harm to consumers due to inaccurate and incomplete credit reporting. 
Federal Trade Commission XXXX XXXX TransUnion : Past enforcement actions by the FTC against TransUnion highlight its failure to maintain compliance with federal guidelines for accurate reporting and consumer protections. 

TransUnions repeated violations and disregard for statutory procedures reflect a pattern of systemic noncompliance that will not be tolerated. 

Deadline for XXXX : If TransUnion fails to address these demands and provide a full resolution within XXXX business days from the date of this notice, I will proceed with litigation without further warning. This includes seeking damages, injunctive relief, and attorneys fees. 

Sincerely, [ XXXX 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 non-monetary relief