Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a formal complaint that TRANSUNION, LLC has violated my rights under the FAIR CREDIT REPORTING ACT Under the FCRA, when a consumer disputes the accuracy of information in their credit report, the credit reporting agency is required to conduct a reasonable investigation into the dispute. As part of the investigation, the CRA must provide the consumer with a written description of the results of the investigation and a notice of the consumer 's right to request a description of the procedure used to determine the accuracy and completeness of the information. 
If the consumer requests a description of the method used to verify the accuracy of the information, the CRA is required to provide the consumer with a description of the method used, including the sources of the information, within 15 days of receiving the request. 
TransUnion failed to provide me with the proper documents in response to my method of verification request, this is a violation of the FCRA. For example, TransUnion did not provide me with a written description of the results of the investigation. the law clearly states CRAs must go beyond simply contacting the source of the information being furnished and must take additional steps to investigate the accuracy of the disputed information. This requirement is intended to ensure that credit reports are as accurate as possible and that consumers have a fair and reasonable process for disputing inaccurate information in their credit reports. 
Similarly, TransUnion did not provide me with a description of the method used to verify the accuracy of the information or did not provide the proper sources of the information, which is also a violation of the FCRA. I feel my only option is to seek legal recourse under the FCRA and seek damages to have the inaccurate information corrected or removed from my credit report. TRANSUNION is in violation of 15 USC 1681i ( a ) ( 7 ) 1681 ( 6 ) ( B ) ( iii ) procedure in case of disputed accuracy. 1692j false and deceptive forms. 15 USC 1681 ( a ) ( 4 ) consumer has a right to privacy. 1681b ( a ) ( 2 ) consumer agencies need written instructions without it fraud is being committed. I demand that you delete these accounts immediately XXXX XXXX XXXX XXXX US DEPT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX Exhibit A- is my request for the method of verification including the details of what i specifically asked for and am due by law with the certified return receipt as proof of delivery Exhibit B - is the response by transunion to my method of verification request i did not receive anything i asked for in my letter only a generic response. the law clearly states you must go beyond the furnisher of the information so who did you contact? i asked for details.

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