Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
Dear TransUnion, This letter serves as a formal Method of Verification request pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 7 ) regarding the XXXX XXXX account listed above.According to your correspondence dated XX/XX/year>, you concluded that the item in question was " Verified as Accurate and Updated. '' However, this conclusion lacks transparency and fails to meet the standards set by federal law. 

1. Method of Verification I am formally requesting a detailed description of the procedure used during your reinvestigation to determine the accuracy of the XXXX XXXX account. Please provide : - Who you contacted at XXXX XXXX, - What documents you reviewed or received, - How the verification process was conducted.This is my right under FCRA 611 ( a ) ( 7 ).

2. Supporting Documentation Request I also demand copies of all documentation you relied upon in verifying the accuracy of this account, including any : - Original signed applications, - Monthly statements, - Billing records, - Communication logs from XXXX XXXX.A simple data match or e-Oscar confirmation does not constitute a reasonable investigation under the FCRA. 

3. Inaccuracies and FCRA Violations Identified Upon review of the tradeline as reported on my credit file, I have found multiple serious discrepancies, including : - The reported charge-off balance ( {$3700.00} ) exceeds the reported credit limit ( {$3000.00} ). This is inaccurate and misleading.- The tradeline shows Charge Off and 120+ Days Late being reported in the same months, which is duplicative and inflates derogatory data.- Re-aging behavior : The account appears to be marked as charged-off in multiple months, which is improper and may constitute a violation of Metro 2 guidelines.- The remark XXXX XXXX XXXX XXXX XXXX  suggests the dispute was not properly verified and that the account was reaffirmed without furnishing actual proof of liability.These inaccuracies harm my credit profile and may constitute willful noncompliance with the FCRA. 

4. 15-Day Deadline You are hereby notified that you have 15 days from the date of this letter ( XX/XX/year> ) to provide : - A full and complete method of verification,- All supporting documentation relied upon during reinvestigation, - The name and contact information of the individual or department at XXXX XXXX that verified this account.Failure to provide this information or correct these violations may result in : - A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), - Notices to the California Attorney Generals Office, - Initiation of civil litigation under FCRA 616 and 617 for statutory and actual damages.Please send the full results of your reinvestigation and an updated copy of my credit report to the address listed above.

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