Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TransUnion LLC XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Final Notice of FCRA Violation Demand for Immediate Deletion of Inaccurate XXXX Account To Whom It May Concern, I am writing to inform you that TransUnion is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., in relation to an account reported under the name XXXX, which is currently appearing on my credit report. 

I have disputed this account on multiple occasions, asserting that : I have never held a XXXX account ; and I have never made any late payments on such an account. 

Each time I submitted a dispute, TransUnion responded that the account was verified as accurate. As allowed under 15 U.S.C. 1681i ( a ) ( 7 ), I then exercised my right to request the method of verification, including the following : The name and direct contact information of the person or department you communicated with ; The date and time of the verification ; and All supporting documentation used in your verification process, including proof that this account belongs to me and a complete payment history.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide this information within five ( 5 ) business days of my request. That timeframe has passed, and I have not received the legally required information.

Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) clearly states : If, after any reinvestigation an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer Your failure to provide verification within the required timeframe means this account must be deleted from my credit report. Continuing to report unverifiable information is a direct violation of the FCRA.

I must also remind you that the law requires a reasonable reinvestigation. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are prohibited from simply relying on the furnishers word through third-party tools such as e-OSCAR. This has been reinforced by court rulings including XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which stated : A reinvestigation that merely parrots the furnishers response without independent verification is an inadequate investigation under the FCRA. 

You are now in violation of multiple provisions of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) ; 1681i ( a ) ( 5 ) ( A ) ( failure to delete unverifiable information ) ; 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to provide verification method within 5 business days ) ; and 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Under 15 U.S.C. 1681n and 1681o, you are subject to : Statutory damages of up to {$1000.00} per violation ; Actual damages ; Punitive damages for willful noncompliance ; and Attorneys fees and court costs. 

Accordingly, I am demanding the immediate deletion of the XXXX account from my credit report. If you do not comply, I will proceed with legal action and file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

This is your final notice before legal proceedings are initiated. 

Sincerely, 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