Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX Tel : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX CC : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Method of Verification Request File # XXXX To Whom It May Concern, I am writing to formally request the method of verification for all XXXX XXXX accounts currently listed on my credit report, specifically relating to the dispute I submitted previously regarding identity theft. This letter serves as a follow-up to your response dated XX/XX/XXXX, concerning file number XXXX, in which TransUnion concluded that the XXXX XXXX accounts are being reported accurately and have now been updated. 

Let me be clear : I do not and have never had any XXXX XXXX accounts. These accounts are the result of identity theft, which I notified you of during my initial dispute. Therefore, I completely disagree with your findings and dispute resolution. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I have the right to request a detailed method of verification of the information you claim to have verified. According to this statute, the credit reporting agency must, within five ( 5 ) business days of receiving a consumer 's request, provide : The name of the person contacted in connection with the investigation. 

The address and telephone number of such person, if reasonably available. 

A description of any procedure used to determine the accuracy and completeness of the information. 

Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that if the disputed information can not be verified, it must be deleted from the consumers credit file.

As part of this method of verification request, I formally request the following : The name and department of the individual or entity you contacted at XXXX XXXX. 

The date and time of the communication. 

All documents provided to you that show the accounts belong to me. 

Payment records that include my alleged payment history. 

A copy of the identification documents used to open the accounts. 

Any documents bearing my signature that allegedly authorize the opening of such accounts. 

Simply using an automated system such as e-OSCAR does not constitute a " reasonable investigation '' under the law. Courts have held that relying solely on automated systems is inadequate for verifying the legitimacy of disputed accounts. See : XXXX XXXX TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) The court held that a credit bureau must go beyond the original source when investigating disputes. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The FCRA requires a meaningful reinvestigation, and the use of e-OSCAR without additional inquiry does not satisfy this requirement. 

XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) The court emphasized the duty of furnishers to conduct real investigations, not superficial ones. 

If you are unable to produce the requested information and documents within five ( 5 ) business days, then under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are legally obligated to delete the disputed accounts from my credit report immediately.

Also, please be advised that the documents must be sent to me in a trackable and deliverable format, such as XXXX XXXX Mail with tracking or other verifiable delivery method. You may not simply claim that you sent these documents without verifiable proof of delivery. 

Again, I assert that I have never had an account with XXXX XXXX in any form, and you will not be able to produce any legitimate documentation showing otherwise. The burden of proof lies with you to substantiate the validity of these accounts. 

Failure to comply with these legal obligations may result in further action, including but not limited to, complaints filed with the CFPB, the FTC, and possibly a civil lawsuit for noncompliance and violation of my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MO XXXX Tel : ( XXXX ) XXXX Email : 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 explanation