Consumer complaint received 2025-03-03 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:
I am writing in response to the recent results of my credit report dispute. Based on your response, you stated that the following accounts were " verified as reported '' : XXXX XXXX XXXX Verified as reported XXXX  XXXX Verified as reported XXXX Updated XXXX XXXX XXXX GEORGIA Verified as reported XXXX CARD SERVICES Verified as reported Additionally, you removed my telephone number and deleted my XXXX XXXX XXXX account. However, I must formally dispute the continued reporting of the above accounts because TransUnion failed to provide any documentation or supporting evidence proving that these accounts were properly verified. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXi, credit reporting agencies are required to conduct a reasonable investigation and delete any unverifiable information. Since TransUnion has not provided me with documentation from the original creditors proving the accuracy and validity of these accounts, you are in violation of my rights. Furthermore, I would like to invoke the XXXX rule, which states that unverifiable or inaccurate information must be removed from my credit file. Without verifiable proof, these accounts must be deleted as per FCRA guidelines. Simply stating that the accounts were " verified as reported '' without providing actual supporting documentation does not meet the legal requirements of a proper investigation. also all documents were attached in my initial complaint was not reviewed properly. Requested Action : Provide all supporting documentation used in verifying these accounts. If no such documentation exists, immediately remove these unverifiable accounts from my credit report. Send me a corrected copy of my credit report reflecting these changes. If TransUnion does not comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of the FCRA. I expect a written response within XXXX days confirming the removal of these unverifiable items or providing valid proof of verification. I am writing to formally request the removal of unverifiable information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I am seeking clarification on the following matters regarding my recent disputes : Can TransUnion provide a detailed explanation of the updates made to the disputed items? 
What was the basis for updating these items instead of correcting or removing them? 
Did TransUnion conduct a thorough investigation into my disputes and properly review the supporting documents I provided? 
Additionally, I would like to highlight that certain information was not removed within the required XXXXday period as outlined under Section XXXX of the FCRA. Furthermore, under the Servicemembers Civil Relief Act ( SCRA ), the items listed in my complaint with the Consumer Financial Protection Bureau ( CFPB ) should have been deleted immediately. 

If the disputed information can not be verified in full compliance with the FCRA, I request its immediate deletion from my credit report. Please provide a timely response confirming the corrective action taken.

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