Consumer complaint received 2025-05-10 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FINAL DEMAND VIOLATION OF FEDERAL LAW FAILURE TO PROVIDE VERIFICATION OF DISPUTED ACCOUNTS UNDER 15 U.S.C. 1681i To Whom It May Concern : This is your final notice.

I am demanding immediate deletion of the following accounts from my TransUnion credit report based on your repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically your failure to provide legally required documentation for accounts you claim are verified. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Despite my prior disputes, you have not provided a single shred of documentationno contracts, applications, billing statements, or signaturesproving that these accounts belong to me. Instead, you have repeatedly sent generic form letters stating the accounts were " verified as accurate '' without any legally sufficient explanation or evidence. 

This practice is a blatant violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that a consumer be provided with the method of verification and the business name, address, and telephone number of the furnisher. Furthermore, XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) established that credit bureaus have an independent duty to conduct a reasonable reinvestigation and not simply rely on furnishers claims. 

Let me be clear : if TransUnion can not provide documented proof that these accounts are mine and accurate, you are legally required to DELETE them from my file. If you refuse, this constitutes willful noncompliance under 15 U.S.C. 1681n, which entitles me to actual, statutory, and punitive damages, plus attorneys fees.

Your pattern of failure to investigate disputes properly and the continuous modification of account information after each disputewithout resolving the core issuemay also rise to the level of consumer reporting abuse and systemic deception, as seen in the CFPBs enforcement actions against Experian and Equifax for similar misconduct. 

You have 15 days from receipt of this letter to : Provide full documentationsigned contracts, original account applications, billing recordsfor each disputed account ; Describe in writing your method of verification used for each account ; Delete any account for which no original documentation exists or can be verified. 

Failure to comply will result in : A formal complaint and follow-up with the Consumer Financial Protection Bureau XXXX CFPB ) ; Additional filings with the Federal Trade Commission XXXX FTC ) and XXXX XXXX XXXXXXXX XXXX XXXX Immediate civil litigation in federal court under FCRA 1681n and 1681o. 

This is not a request. This is a formal legal demand. 

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 non-monetary relief