Consumer complaint received 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In reference to my CFPB complaint Ref # XXXX submitted on XX/XX/2022 ; The following items on my Trans Union credit report XXXX XX/XX/2022 ) were disputed for 100 % accuracy, correctness, and verification as per FCRA 15 USC Sec 1681i ( a ) ; where any unverified and/or inaccurate accounts must be deleted.

I also ask you to ascertain that the creditor had permissible purpose and was able to verify my complete file information to include Full Name, Address, Date Of Birth, and SSN # ; as per Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Also under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

These are the following accounts you claimed to have investigated as per CFPB complaint Ref # XXXX ( XX/XX/2022 ) : Trans Union XXXX XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately Account Rating Is Reporting Inaccurately This is grounds for removal. 

Trans Union stated that XXXX XXXX XXXX  and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Opened Is Reporting Inaccurately This is grounds for removal. 

Trans Union state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Balanced Owed Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal. 

Trans Union state that XXXX  and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal. 

Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Account Number Is Reporting Inaccurately Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately This is grounds for removal. 

Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal. 

Trans Union state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal. 

Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Reporting Inaccurately Payment History Is Reporting Inaccurately This is grounds for removal. 

Trans Union stated that XXXX XXXX  and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately High Balance Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately This is ground for removal. 

Trans Union stated that XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Open Is Reporting Inaccurately Payment History Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute This is ground for removal. 

Trans Union stated XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Open Is Reporting Inaccurately Payment History Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute This is ground for removal. 


15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


Attached To This Complaint : Initial CFPB complaint Ref # XXXX ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) ( XXXX ) Credit Reports ( XXXX XXXX, XXXX  and XXXX XXXX, XXXX  ) following my initial complaint to show there was no proper investigation completed and these items should be deleted.

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