Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
RESPONSE LETTER USING FCRA LAWS Subject : Request for Full Compliance With FCRA Requirements Inadequate Investigation & Failure to Provide Method of Verification To : [ Credit Bureau / CFPB Portal Response Team ] From : XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : I am writing in response to your statement that the account XXXXXX/XX/XXXXPREVIOUSLY VERIFIED was previously investigated and that your recent review is now marked Closed with non-monetary relief.

This response is insufficient and does not satisfy your obligations under the Fair Credit Reporting Act. 1. Failure to Provide Method of Verification FCRA 611 ( a ) ( 6 )
( B ) ( iii ) & 611 ( a ) ( 7 ) Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when you claim that an account has been verified, you are REQUIRED to provide me with : The method of verification, The name, address, and telephone number of the furnisher who verified the information, and A clear description of how the information was validated.

You did not provide this information.

I am hereby requesting the complete Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ).

2. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) You are required to conduct a reasonable reinvestigation of any disputed information. Simply stating previously verified does not satisfy this requirement. 
A reinvestigation must include : A current review of the dispute, Direct contact with the furnisher, A review of all evidence supplied by the consumer.

Your response suggests no reinvestigation occurred at all.

3. Furnisher Duties Under FCRA 623 ( a ) ( 1 ) ( A ) The furnisher ( XXXXXX/XX/XXXX is prohibited from reporting information that is inaccurate, incomplete, or can not be verified. 
If they can not VALIDATE the accuracy of the information with documentary evidence, then the information must be deleted. 

4. You Must Provide Actual Documentation Not Just a Status Code Status responses such as verified, previously verified, or meets FCRA requirements are legally insufficient.

I am requesting actual supporting documentation, such as : Application or contract with my signature Payment history records Itemized account records used to verify accuracy If neither the bureau nor the furnisher can provide such documentation, then under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) you must delete the account.

5. Request for Immediate Corrective Action Under federal law, you must do one of the following : Provide the complete method of verification within 15 days, Conduct a proper reinvestigation, or Delete theXX/XX/XXXX account for failure to verify. 

Failure to comply will result in : Filing a new CFPB complaint, Filing complaints with the FTC and State Attorney General, and Preserving my right to seek civil liability under FCRA 616 & 617 for willful or negligent noncompliance.

Conclusion Your response does not meet FCRA requirements. 
Please provide the required verification documentation or remove the disputed information immediately. 

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