Consumer complaint received 2024-04-13 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX TransUnion, Please be advised that this is my THIRD WRITTEN REQUEST and FINAL. WARNING. 
I also fully intend to pursue litigation in accordance with the FCRA to enforce my rights, and to seek relief and recover all potential monetary damages that I may be entitled to under Section 616 and Section 617, regarding your continued willful and negligent non-compliance. 
Despite my previous XXXX ( XXXX ) formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER XXXX Still has several errors like the last date of activity that is XXXX years apart from XXXX report XXXX XXXX XXXX XXXX Account numberXXXXyes has the same account number as previous account. You state that I have used 255 % percent of my limit. How is that possible? 

XXXX XXXX XXXX XXXX-account- XXXX which also is different then what the other XXXX bureaus have as account numbers. And the last activity date is almost a XXXX from what XXXX has reported. 


XXXX XXXX XXXX Has has a whole different account then what the other bureaus have. 

XXXX XXXX Still bares a different balance then what XXXX has. And last activity dates. 

XXXX XXXX XXXX XXXX XXXXXXXX Bares a different account number then XXXX. 

XXXX XXXX  {$190.00} XXXX XXXX XXXX  Still reporting as an open account with last dates of activity being XXXX  years from what XXXX has. 

You stated in your responses to my XXXX dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right.

The simple fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not, verify any of the disputed accounts. Your failure to delete the disputed accounts in question, that you can not verify after XXXX written requests, is also evidence of your willful disregard of Federal Law.

Upon entering litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts, at the time of my request.

The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within XXXX  days as required by law, and the Court will order you to delete them. 
You say that you have reinvestigated, and /or verified these accounts, but in your inability to provide physical proof of the documents, you are and have admitted that all you have done is " parroted '' information given to you by other sources, also known as creditors, and attempted to shift the burden back to me, and ask me to contact the original creditor to verify these accounts. This type of behavior and action is clearly in violation of {$1600.00} ( a ) ( 4 ) of the FCRA.

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