Consumer complaint received 2025-03-13 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: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FINAL NOTICE : Immediate Deletion of All Unverified Accounts Violation of 15 U.S.C. 1681i ( a ), 15 U.S.C. 1681n, and Unauthorized Use of E-Oscar Without Consent To Whom It May Concern, This letter serves as my final and formal demand for TransUnion to immediately remove all unverified and fraudulent collection accounts that you have been unlawfully reporting on my credit file. I have previously disputed these accounts, and TransUnion has failed to comply with federal law by conducting a " reasonable investigation '' as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
It has also come to my attention that TransUnion has been using an automated third-party verification system known as E-Oscar without my authorization, which is a clear violation of 15 U.S.C. 1681i ( a ). Let me be abundantly clear I DO NOT AUTHORIZE E-Oscar to verify any debt in my name, and any account that has been " verified '' using E-Oscar must be immediately deleted. 
Violation of Federal Law : Unauthorized Use of E-Oscar According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is legally required to conduct a reasonable investigation when a consumer disputes an account. The definition of a reasonable investigation requires TransUnion to : Obtain the original signed contract bearing my wet-ink signature from the original creditor. 
Review physical documentation provided by the original creditor. 
Not use an automated system like E-Oscar in place of a human-conducted investigation. 
The use of E-Oscar without my written consent violates : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation. 
15 U.S.C. 1681n ( a ) ( 1 ) ( A ) Willful non-compliance, entitling me to {$1000.00} per day in statutory damages. 

Fraudulent Accounts That Must Be Deleted The following accounts are invalid, unverifiable, and must be removed immediately from my credit file : 1. XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) o Balance : {$2300.00} o Original Creditor : XXXX XXXX XXXX o Violation : I sued XXXX XXXX XXXX in court and WON my case. TransUnion has no legal basis to continue reporting this fraudulent debt, especially after my court victory. 
o Legal Basis : Under 15 U.S.C. 1681s-2 ( b ), TransUnion is required to delete any account that has been proven false. 
o Demand : Immediate deletion and {$1000.00} per day for willful non-compliance under 15 U.S.C. 1681n ( a ). 
o I have attached a copy of my court judgment confirming I won my case. 
2. XXXX XXXX XXXX ( Total Card XXXX XXXX XXXX ) o Balance : {$440.00} o Violation : TransUnion has not provided any legally binding contract bearing my wet-ink signature from the original creditor. Using E-Oscar to verify this debt is a clear violation of the FCRA. 
o Demand : Immediate deletion and {$1000.00} per day in damages. 
3. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) o Balance : {$380.00} o Violation : TransUnion has failed to provide a signed contract, detailed statements, or any legal documentation. Relying on E-Oscar is unlawful and constitutes willful non-compliance. 
o Demand : Immediate deletion and {$1000.00} per day in damages. 
4. XXXX XXXX o Balance : {$1800.00} o Violation : There has been no signed contract or documented proof that this debt belongs to me. Reporting this account without proper verification is a violation of 15 U.S.C. 1681i ( a ). 
o Demand : Immediate deletion and {$1000.00} per day in damages. 


My Legal Demand ( Non-Negotiable ) Due to TransUnion 's willful non-compliance with federal law, I am now formally demanding : 1. IMMEDIATE DELETION of the following collection accounts : o XXXX  XXXX XXXX XXXX ( {$2300.00} ) o XXXX XXXX XXXX ( {$440.00} ) o XXXX XXXX XXXX ( {$380.00} ) o XXXX XXXX ( {$1800.00} ) 2. A written confirmation of deletion within 15 calendar days of receiving this letter. 
3. Compensation of {$1000.00} per day per account from the date of my first dispute until full deletion, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). 
4. A full accounting of how these debts were " verified, '' including all documentation obtained from the original creditor. 
5. A complete prohibition on the use of E-Oscar or any automated third-party system for any future disputes. 


Legal Consequences If You Fail to Comply If TransUnion fails to comply with my legal demand within 15 calendar days, I will proceed with the following : 1. File a federal lawsuit against TransUnion for : o Willful non-compliance under 15 U.S.C. 1681n ( a ). 
o Negligent non-compliance under 15 U.S.C. 1681o. 
o Furnishing inaccurate information under 15 U.S.C. 1681s-2 ( b ). 
2. Demand {$1000.00} per day in statutory damages for every day the account remains on my credit report after my initial dispute. 
3. Request a court-ordered deletion of all negative accounts from my credit file. 
4. File a motion for punitive damages for mental and financial distress caused by TransUnion 's failure to comply with federal law. 
I am fully prepared to take this matter to the U.S. District Court if necessary and subpoena TransUnions internal records regarding the use of E-Oscar. 
Supporting Documentation Attached I have enclosed the following documents as supporting evidence : Certified Court Judgment showing I won my case against XXXX XXXX XXXX 
Copy of my ID for verification purposes. 
Final Warning This letter serves as final notice. If I do not receive a formal confirmation of deletion and compensation within 15 days, I will proceed with the following legal actions : File a federal lawsuit in the U.S. District Court. 
Demand {$1000.00} per day per violation from the date of my original dispute until deletion. 
File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Failure to act in accordance with federal law will result in severe legal and financial consequences for TransUnion. I expect your full compliance within 15 calendar days. 
Thank you for your prompt attention to this legal matter. 
Sincerely, XXXX 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 non-monetary relief