Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to request documentation and a detailed explanation of the procedures used by Transunion. Experian, & Equifax to verify the accuracy of specific information contained in my credit report. 

XXXX. XXXX XXXX Account # : XXXX Under the Fair Credit Reporting Act ( FCRA ), Transunion . Experian, & Equifax is required to follow reasonable procedures to assure maximum possible accuracy of the information included in consumer reports ( 15 U.S.C. 1681e ( b ) ). 

Additionally, when a consumer disputes the accuracy or completeness of information, Transunion. Experian, & Equifax is obligated to reinvestigate the disputed information ( 15 U.S.C. 1681i ).

I have recently disputed information reported on my credit file that I believe is inaccurate or incomplete.

Specifically, I request that Transunion. Experian, & Equifax disclose : 1. The specific procedures and verification methods used to ensure the accuracy of the disputed information.

2. Whether an independent investigation was conducted or whether Transunion. Experian, & Equifax relied solely on information provided by the data furnisher.

3. Any documentation or records relating to steps taken to verify this information. 
In support of this request, I would like to cite the following relevant case law : Cushman v. Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : The court determined that credit reporting agencies must conduct independent investigations into disputed information rather than relying exclusively on information from the original creditor. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This ruling highlighted the need for credit reporting agencies to take reasonable steps to verify disputed information instead of relying solely on creditor-provided data. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : The court emphasized the importance of demonstrating that reasonable procedures are in place to verify report accuracy and that documentation of these verification procedures may be required in the event of a dispute. 
In accordance with Section 1681g ( a ) ( 1 ) of the FCRA, which entitles consumers to obtain information regarding the sources of credit report information, I respectfully request Transunion. Experian, & Equifax provide a written response detailing your verification methods and documentation related to my dispute. Please send this information to the address above or, if possible, to my email address listed above.

If Transunion. Experian, & Equifax fails to provide this information, I will consider escalating the matter to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal representation to ensure my rights under the FCRA are protected. 

Thank you for your attention to this matter. I look forward to receiving your response within 30 days of the date of this letter

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