Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I am formally disputing an inaccurately reported account on my credit file and demand the immediate investigation and deletion of all inaccurate, outdated or unverified accounts listed below under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

The following accounts that are in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite your use of automatic data furnishers, these consumers have not provided any of the following documentation. Simply parroting information from data furnishers without actual independent verification constitutes willful noncompliance, as affirmed in XXXX XXXX Transunion XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX, XXXX, XXXX TRANS UNION XXXX XXXX, Defendant. 

In addition to these investigations there has not have not provided a financial contract between the company and myself, reflecting that the account report by Transunion is valid and that I have contractual obligation. Nothing in detail the charge off procedures as they apply under XXXX XXXX XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. TransUnion has failed to properly verify the account and instead relied on the e-OSCAR system, which does not constitute a reasonable reinvestigation as required by FCRA 15 U.S.C. 1681e ( b ).

Attached is my filed complaint with the FTC that has been submitted regarding TransUnions noncompliance. You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section XXXX11 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 

I am including a police report and identity theft report, along with copies of my drivers license and Social Security card. Despite clear documentation, TransUnion has failed to conduct a thorough investigation or provide legitimate verification, which is a direct violation of my rights under FCRA 1681i ( 5 ) ( A ). 

PLEASE BE ADVISED THAT THIS DISPUTE IS BEING INITIATED SOLELY BY ME, WITHOUT THE INVOLVEMENT OF ANY THIRD PARTY.

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