Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute and Request for Method of Verification of Discover Account Reporting under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX account appearing on my TransUnion credit report, which is incorrectly listed as having late payments. I assert that I have never had any late payments on any XXXX account and am requesting a full method of verification for this disputed information under the Fair Credit Reporting Act ( FCRA ). 

Despite prior disputes, TransUnion continues to report the XXXX account as accurate. However, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request and receive : A description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Accordingly, I am requesting the following detailed information regarding the verification process : The full name ( s ) of the individual ( s ) with whom you communicated at XXXX to verify the account. 

The dates and times of all communications with XXXX regarding this dispute. 

The contact information for the person ( s ) or department at XXXX that provided the verification. 

Copies of all documents and payment records that were used to confirm the alleged late payments.

I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation, not merely rely on an automated system such as e-OSCAR or other third-party databases. The FCRA demands that you directly contact the data furnisher ( XXXX ) and obtain relevant records to verify the accuracy of the information you are reporting. 

Legal Requirements and Consequences of Non-Compliance : If you can not provide this information, then under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you must : ... promptly delete that item of information from the file of the consumer if it can not be verified.

Furthermore, if TransUnion fails to comply with my request, you may be in violation of the FCRA and subject to liability under : 15 U.S.C. 1681n ( Willful Noncompliance ) 15 U.S.C. 1681o ( Negligent Noncompliance ) This includes liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, attorneys fees, and court costs.

Deadline for Response : Because I am submitting this request within 15 days of your previous response, you are required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) to provide the method of verification information within 5 business days.

Enclosures : A copy of my TransUnion credit report showing the XXXX account in dispute A copy of my identification and proof of address, if needed for verification If you are unable to verify the alleged late payments through documentary evidence, then the law is clear : the inaccurate information must be deleted from my credit report. 

Thank you for your prompt attention to this matter. I expect a full and legally compliant response within the time required by law. 

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 non-monetary relief