Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX, TX XXXX Request for Method of Verification Under FCRA 611 ( 15 U.S.C. 1681i ) To Whom It May Concern : This letter serves as a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), specifically concerning the disputed item referenced in my recent Consumer Financial Protection Bureau ( CFPB ) complaint. Your response to my initial dispute indicated that the item was verified. However, the FCRA requires more than a superficial response. It mandates a thorough reinvestigation and full disclosure of the method used to verify the disputed information.

Under FCRA 611 ( a ) ( 1 ) ( A ), consumer reporting agencies are required to reinvestigate disputed information unless it is deemed frivolous or irrelevantwhich this dispute clearly is not. Additionally, under FCRA 611 ( a ) ( 6 ) ( B ), you are obligated to disclose the method by which the information was verified, including the original source and any supporting documentation relied upon during the verification process. 


Disputed Item XXXX XXXXXXXX XXXX My Demands XXXX. Reinvestigation of the Disputed Item : I request a full and thorough reinvestigation of the item listed above. Your prior response failed to meet the evidentiary standards required under federal law.

2. Disclosure of the Method of Verification : Please provide a detailed explanation of the method used to verify the disputed information. This should include : The name and contact information of the source of the information ; Copies of all records or documentation reviewed ; The specific procedures used to ensure compliance with FCRA 607 ( b ), which requires the maintenance of maximum possible accuracy.

3. Correction or Deletion of Inaccurate Information : If you are unable to substantiate the accuracy of the disputed item with verifiable evidence, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to promptly delete or correct the item in question from my credit file.

Deadline for Response Please provide a written response, including the requested method of verification, within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to do so will constitute a violation of the FCRA.

If your office fails to respond appropriately or in a timely manner, I will pursue all available legal remedies, including filing additional complaints with the CFPB, the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I will also explore legal action to recover damages for willful or negligent noncompliance under FCRA 616 and 617.

I trust that you will handle this matter with the professionalism and urgency it requires. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief