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 XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) To Whom It May Concern, This letter concerns an account listed on my TransUnion credit report : XXXX XXXX. The report reflects inaccurate late payments on this account. I have disputed these alleged delinquencies on multiple occasions, and each time, TransUnion has claimed that the information was verified as accurate. These late payments are entirely falseI have never made any late payments on any XXXX XXXX accounts. 

Under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am formally requesting a description of the procedure used to verify the accuracy and completeness of the disputed information. This request is being made within the required 15-day window following receipt of your reinvestigation results.

The Law : According to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : If requested by the consumer within 15 days after receiving the results of a reinvestigation... the agency shall provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

What I Am Requesting : The full method of verification you used.

The name ( s ) of the person ( s ) or representatives you contacted concerning this account.

The date and time of those contacts.

The business name, address, and telephone number of the data furnisher.

Copies of any documentation or records, including payment records, that show I was late on any XXXX XXXX account. 

On Your Investigative Obligations : If your reinvestigation relied solely on automated tools like e-OSCAR, this does not meet the standard for a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). The law mandates that a credit reporting agency must : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

Further, in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court made clear that a consumer reporting agency must go beyond simply parroting information from the furnisher and must perform its own reasonable investigation. 

Penalties for Noncompliance : Failure to comply with the FCRA may subject TransUnion to liability under : 15 U.S.C. 1681n ( willful noncompliance ) 15 U.S.C. 1681o ( negligent noncompliance ) These provisions allow for actual damages, statutory damages of {$100.00} to {$1000.00}, punitive damages, and attorneys fees.

If You Can not Verify : If TransUnion is unable to provide documentation and comply with this request, then under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Information found to be inaccurate or that can not be verified must be promptly deleted from the consumers file.

Therefore, if you can not provide the required information to support these late payment claims, the account and/or all reported delinquencies must be deleted from my TransUnion credit report.

Please respond promptly and in compliance with the FCRA. I have attached a copy of my current TransUnion credit report showing the disputed account for reference. 

Sincerely, XXXX XXXX [ Social Security Number Last 4 digits only : XXXX [ Date of Birth : XX/XX/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