Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the Method of Verification ( MOV ) used in the reinvestigation of disputed information in my credit file, as per 15 U.S. Code 1681i - Procedure in Case of Disputed Accuracy.

I submitted a dispute regarding errors in my credit report. I received notification from your agency indicating the completion of the reinvestigation. 
In accordance with 15 U.S. Code 1681i ( a ) ( 7 ), I request a description of the procedure used to determine the accuracy and completeness of the disputed information. This should include : The business name and address of any furnisher of information contacted in connection with the reinvestigation. 
The telephone number of such furnisher, if reasonably available. 
Any other details related to the method and sources used during the reinvestigation process. 
Please provide this information within the 15-day period as stipulated by law. Your timely response to this request is highly appreciated. 
Thank you for your attention to this matter. I look forward to receiving the requested information promptly.

1. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete from consumer report 3. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete from consumer report 9. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete from consumer report 10. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING DISCOVERCARD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete from consumer report 11. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING XXXX XXXX Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete from consumer report 12. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete from consumer report 13. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete from consumer report 14. Pursuit to 15 U.S. 1692g NOTICE OF METHOD OF VERIFICATION, VALIDATION AND ACCOUNTING XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Delete from consumer report 15. The following personal information is incorrect Account Number : Employers : XXXX 16. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX ALSO, Please explain to me how you conducted your investigation! 
1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
7.If yes to above : a. Who did you speak to?

b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g. What is the position of the employee of your company that spoke directly to the above party?

h. How long has that employee been employed by your company?

i. What formal training was provided to this employee to investigate items of this kind?

j. Was there any e-mail or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.

My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. 
Please respond accordingly,

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