Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TRANSUNION continues to violate my federally protected right to ensure an accurate credit report per Dodd Frank Act, FCRA, California Consumer Protection laws, UDAAP, and United States Codes.

15 USC 1681e ( b ) which states that credit reporting agencies are to ensure an ACCURATE credit report. TRANSUNION prevented me from disputing inaccurate balances on the following accounts : 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  These accounts DO NOT include the correct XXXX XXXX XXXX XXXX XXXX TRANSUNION continues to negligently and recklessly report inaccurate account balances on my credit report. TRANSUNION refused to allow me to dispute these accounts online to ensure that these disputes were entered into the e-Oscar and metro2 systems. TRANSUNION has lowered my FICO credit score which has caused me damages by being denied credit that I may have otherwise qualified for had these inaccuracies not negatively impacted my FICO credit score. TRANSUNION continues to put me at risk of FURTHER exploitation and victimization by refusing to sufficiently investigating these inaccuracies on my credit report. TRANSUNION continues to send ARTIFICIAL INTELLIGENCE ( AI ) generated responses to my complaints and FAIL TO ADEQUATELY address and correct credit inaccuracies on my credit report AND in my credit file causing me damages and preventing me from obtaining sufficient credit approvals with potential credit offering companies which I need to gain access to an improved quality of life and livelihood. TRANSUNION 's has violated the Privacy Act of 1974, Regulation V, and the Trafficking Victims Protection Act ( TVPA ) by continuing to report inaccurate and nonmailable addresses on my credit report and credit file. TRANSUNION is also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) which states the exclusions to the consumer credit report and states in part that transaction history and experiences are to be excluded from the consumer credit report which TRANSUNION continues to refuse to do. I sent TRANSUNION no less than FOUR ( 4 ) letters and called approximately FIVE ( 5 ) times to have the inaccurate and nonmailable addresses removed, yet TRANSUNION refuses to comply. TRANSUNION would not provide the specific documentation of federal law that allows them to continue to report these inaccuracies and the process TRANSUNION uses to justify their inaction. TRANSUNION refuses to produce such documentation. Thus, TRANSUNION negligently and recklessly persists in exposing me to further exploitation and harm by continuing in their practices in further violation of the Acts, laws, codes and regulations to protect consumers from these negative practices.

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