Consumer complaint received 2024-05-06 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: TX

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXXXXXX XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! 
You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting! Please delete this account from my credit report at once. 

XXXX XXXXXXXX XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! 
You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting! Please delete this account from my credit report at once. 

XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! 
You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting! Please delete this account from my credit report at once. 

XXXX XXXX  XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! 
You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting! Please delete this account from my credit report at once. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re- investigation. 

Thank you, 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