Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX, I am writing to formally dispute the inaccurate and unverifiable reporting of the XXXX XXXX XXXX account ( Account XXXX on my credit report. I would like to bring to your attention that XXXX has removed this account from my credit report as they determined it to be unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ) and best practices, all credit reporting agencies must report consistent, accurate, and verifiable information. Therefore, I request that this account be promptly removed from my credit file with both XXXX and TransUnion. 

Legal Basis for My Dispute : Under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) , credit reporting agencies and furnishers are required to ensure all reported information is accurate, complete, and verifiable. Failure to do so violates federal law.

15 U.S.C. 1681e ( b ) : Agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information in your credit report.

15 U.S.C. 1681i ( a ) : Agencies must conduct a reinvestigation of disputed information within 30 days and delete unverifiable information.

Additionally, under the Georgia Fair Business Practices Act ( O.C.G.A. 10-1-390 ), I am entitled to proper validation of this debt, including any documentation establishing your right to report and collect it.

FCRA Violations : Failing to accurately report the DOFD or re-aging the debt violates 15 U.S.C. 1681c ( a ).

Reporting a debt inaccurately or failing to correct it after a dispute violates 15 U.S.C. 1681e ( b ) and 1681i ( a ).

FDCPA Violations : If a collector re-ages the debt to mislead you into making payments or reset the SOL, this violates 15 U.S.C. 1692e and 1692f.

Lack of Response to My Validation Request : Despite my prior request, you have failed to provide the following documentation to validate this account : Authenticated evidence of the debt, such as original signed contracts or agreements showing my obligation to pay.

Double-entry accounting records, detailing how this debt was calculated, as required by standard accounting principles and referenced in Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ).

Proof of compliance with federal tax laws, such as a 1099-C form if this debt was forgiven, canceled, or settled for less than the full balance.

As such, the continued reporting of this account violates my rights under the FCRA. The removal of this account by Experian further underscores its unverifiability. Consistent with Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) and Johnson v. MBNA America Bank, NA, 357 F.3d 426 ( 4th Cir. 2004 ), credit reporting agencies must ensure that the same accurate and verifiable information is reflected across all reports.

Request for Immediate Action : Given that XXXX has already removed this account and no verifiable evidence has been provided, I request that the XXXX XXXX XXXX account be permanently removed from my credit reports with both XXXX and TransUnion. Failure to comply with these requirements XXXX result in legal action to enforce my rights under federal and state consumer protection laws. 

Please confirm the removal of this account in writing within 30 days of receiving this letter and provide me with an updated copy of my credit report showing the accurate information. 

Supporting Attachments : Copy of my XXXX dispute resolution confirming this accounts removal. 
Highlighted copy of my credit report showing the disputed account. 
Copy of my identification for verification purposes. 

Thank you for addressing this matter promptly. 

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 explanation