Consumer complaint received 2025-01-29 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:
[ XXXX A XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/year> TransUnion LLC COMPLIANCE DEPARTMENT Subject : Pre-Arbitration Notice / Intent to Litigate To Whom It May Concern, I am writing to formally notify TransUnion of my intent to initiate an arbitration process regarding your company 's failure to comply with the Fair Credit Reporting Act ( FCRA ) and Federal Trade Commission ( FTC ) guidelines concerning the investigation and handling of my disputes. This communication serves as a pre-arbitration notice and also an intent to litigate, should this matter remain unresolved. 

Despite my numerous attempts to dispute an inaccurate entry on my credit report regarding the XXXX XXXX account, I have found TransUnion 's actions to be nothing short of willful noncompliance with the FCRA, specifically Section 609 ( a ) ( 1 ) ( A ), which entitles me to request verification of the information contained in my credit report. Additionally, under Section 607 ( b ) of the FCRA, you are required to follow reasonable procedures to ensure maximum possible accuracy of the information reported. However, your repeated opening of unauthorized disputes, now over 20 times, illustrates a blatant disregard for these statutory obligations. 

Today, I received yet another correspondence dated XX/XX/year>, detailing the results of yet another unauthorized dispute. This latest dispute was confirmed as VERIFIED AS ACCURATE ; however, once again, you failed to provide the much-requested METHOD OF VERIFICATION. This pattern of behavior is unacceptable, and it further solidifies my assertion that your investigations lack the thoroughness and diligence legally required under the FCRA. 

Furthermore, I am demanding verified contracts that include my signature establishing my relationship with XXXX XXXX. If you can not provide such documentation to substantiate the validity of this tradeline on my credit report, I am formally requesting the immediate deletion of this account, as mandated by Section 611 ( a ) of the FCRA, which allows consumers to seek the removal of information that can not be verified. 

It is also important to note the FTCs Regulation V ( 12 CFR Part 1022 ), which outlines the obligations of consumer reporting agencies regarding the accuracy and integrity of information provided. This regulation clearly requires a thorough investigation when a consumer disputes the accuracy of information. Your repeated failure to adhere to these regulations conveys a failure in duty and responsibility.

Please be advised that failure to resolve this matter promptly may result in legal action. I am prepared to pursue all available remedies to address this ongoing issue, including but not limited to arbitration and litigation. It is my hope that we can resolve this matter amicably and avoid the need for further action. 

I request a written response within 15 days from the date of this letter, addressing my demands for verified contracts or the immediate deletion of the tradeline in question. If I do not receive a satisfactory resolution, I will proceed with further actions to protect my rights. 

Thank you for your immediate attention to this serious matter. 

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