Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under XXXX XXXX XXXX XXXX a ) ( XXXX ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX  days. I am exercising this right and demanding strict compliance. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. YOU ARE HEREBY PUT ON NOTICE : You have XXXX  days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am also prepared to pursue civil litigation under XXXX XXXX XXXX and XXXX for any willful or XXXX noncompliance with federal law, where XXXX of up to {$1000.00} per violation, plus punitive XXXX attorney fees, and court costs XXXX be imposed. I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

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