Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Transunion 's Investigation results i just received dated XX/XX/XXXX File Number : XXXX - Complaint Against TransUnion for Failure to Correct Inaccurate Late Payments Complaint Details : I am writing to file a formal complaint against TransUnion, one of the major credit reporting agencies, for their persistent failure to correct inaccurate late payments on my credit report. Despite providing substantial evidence to support my claim and following the proper dispute procedures, TransUnion has unjustifiably verified the inaccurate information, causing significant harm to my creditworthiness and financial reputation. 

Account Information : [ Account XXXX in Reference ] Account Name : XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX [ Account XXXX in Reference ] Account Name : XXXX XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX [ Account XXXX in Reference ] Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Date of late payment : XX/XX/XXXX Summary of Complaint : I have diligently pursued the correction of these inaccurate late payments by engaging directly with TransUnion. I provided TransUnion with copies of my credit reports from XXXX and XXXX, which clearly demonstrate the absence of any late payments for the disputed accounts. However, despite this irrefutable evidence, TransUnion has refused to take appropriate action and continues to report the inaccurate late payments on my credit report.

Actions Taken : 1. Initial Dispute : I initially disputed the inaccurate late payments with TransUnion by following their prescribed dispute process. I provided detailed information about the disputed accounts and attached supporting documentation, including my credit reports from XXXX and XXXX. 

XXXX. Reinvestigation Request : Upon receiving TransUnion 's response stating that the accounts were verified, I requested a reinvestigation of the disputed accounts. I reiterated the evidence provided and emphasized the inconsistencies with the information reported by XXXX and XXXX. 

XXXX. Dispute Letter : In an effort to resolve this matter, I sent a formal dispute letter to TransUnion, highlighting the inaccuracies and providing a thorough explanation of why the reported late payments are erroneous. I enclosed copies of my credit reports from XXXX and XXXX, which clearly demonstrate that the late payments were never reported. 

Response from TransUnion : Despite my persistent efforts, TransUnion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation and ensure the accuracy of the information it reports. TransUnion 's responses have been inadequate and dismissive, with no meaningful action taken to correct the inaccuracies on my credit report. 

Impact of Inaccurate Reporting : The false late payments on my credit report have had severe adverse effects on my ability to obtain credit, secure favorable interest rates, and achieve my financial goals. This inaccurate reporting by TransUnion has caused significant financial harm and emotional distress.

Requested Resolutions : 1. Thorough Investigation : I request a comprehensive and impartial investigation into TransUnion 's handling of my dispute, taking into account the evidence provided and the discrepancies with the information reported by XXXX and XXXX. 

2. Correction of Inaccuracies : I insist upon the immediate correction of the inaccurate late payments on my credit report. TransUnion must ensure that my credit report accurately reflects my payment history.

3. Imposition of Penalties : I request that appropriate penalties and sanctions be imposed on TransUnion to ensure their compliance with the FCRA. TransUnion 's failure to address and rectify this issue should not go unnoticed, and corrective action must be taken.

4. Compensation : I seek

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