Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore. 
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. 
The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.

Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). 
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). 
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.

Section 623 ( a ) ( 3 ). 
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). 
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). 
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). 
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).

Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). 

Subject : Urgent : Non-Compliance with FCRA Obligations and Unresponsiveness to Consumer Dispute Dear TransUnion Consumer Dispute Center, I am writing to express my serious concerns and frustration regarding the inaccurate and fraudulent information on my credit report, particularly related to the Private Student Loan account with the details below : - Company or Organization : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Date Fraud Began XXXX XXXX  - Date Discovered : XXXX XXXX Total Fraudulent Amount : {$220.00} Despite numerous attempts to address this issue, including attaching a detailed identity theft report and photos illustrating my ignored attempts to communicate with XXXX XXXX, as well as providing evidence of five different emails specifically sent to TransUnion dating back to early XXXX, I have yet to receive any response from TransUnion. 

It is imperative to highlight the following points : 1. **FCRA Obligations : ** - TransUnion is obligated under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and respond to consumer disputes within 30 days. 

2. **Non-Responsiveness : ** - Despite providing clear evidence of the inaccuracies and fraudulent reporting, I have not received any response from TransUnion , which is a blatant violation of federal law. 

3. **Adverse Effects : ** - The continued negligence is adversely affecting me as a consumer, as well as hindering my ability to maintain accurate credit information. 

I am left with several unanswered questions : - Why is TransUnion not following federal laws and responding to consumer disputes within the mandated timeframe? 
- Is there a reason for the disregard of the evidence and the identity theft report attached to my dispute? 
- Is there a possible collaboration between TransUnion and XXXX XXXX to maintain inaccurate information for their benefit? 

I demand immediate attention to this matter and a thorough reevaluation of the disputed account. The failure to respond to my dispute and correct the inaccurate information is not only a violation of my rights as a consumer but also raises concerns about the integrity of the credit reporting system. 

I am prepared to take further action to ensure my rights are upheld, including filing complaints with regulatory authorities. I expect TransUnion to fulfill its obligations under the FCRA and provide a prompt and meaningful response to my dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX  Phone number XXXX

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