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  XXXX, PA XXXX Subject : Request for Method of Verification Under FCRA Dispute of XXXX by XXXX XXXX Account Reporting To Whom It May Concern, This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA ) concerning the inaccurate reporting of an account listed on my credit file as XXXX by XXXX XXXX. Specifically, your records indicate late payments on this account, which I categorically dispute. I have never been late on this account, and other credit bureaus are reporting it as being in good standing. 

Despite previously disputing this inaccurate information, your response has repeatedly been that the late payments have been verified as accurate. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am exercising my legal right to obtain the method of verification used in your investigation.

I am requesting the following information, as permitted by law : A description of the procedures used to verify the disputed information.

The name ( s ), title ( s ), and contact details of the person ( s ) you communicated with concerning this account.

The date and time you communicated with the furnisher of the data.

Copies of any and all documentation or records, including payment history, which support the reported late payments.

Confirmation that TransUnion conducted a direct investigation with the data furnisher and did not rely solely on automated systems such as e-OSCAR, which do not satisfy FCRA investigation standards.

Legal Support : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires TransUnion to conduct a reasonable reinvestigation of any disputed information.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) mandates that all relevant information received from the consumer be passed on to the furnisher.

Most crucially, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the verification process, including the name, address, and telephone number of the party contacted during the reinvestigation.

Response Timeline : Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ), TransUnion must provide this information to me within 5 business days of receiving this request.

If You Can not Verify : Should you be unable to provide concrete verification of these late payments, the FCRA mandates, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), that you must delete the disputed information from my credit file.

Penalties for Noncompliance : Failure to adhere to these requirements may subject TransUnion to liability under 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ), which allow for actual and punitive damages, court costs, and attorneys fees.

Attached is a copy of my credit report indicating the inaccurate late payment entries you have claimed to be verified. If you are unable to fulfill this request and provide supporting documentation, the only lawful option is to delete the inaccurate 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