Consumer complaint received 2023-12-27
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: Their investigation did not fix an error on your report

Complaint:
Subject : Formal Complaint Against TransUnion for Violation of FCRA Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) by TransUnion, one of the major credit reporting agencies. I have previously submitted a reinvestigation request to TransUnion regarding certain entries on my credit report, requesting specific documents to substantiate the validity of the debt entries in question. However, TransUnion has failed to fulfill its legal obligations under the FCRA and has not provided the requested documents as mandated by law. 

I submitted a request to TransUnion in accordance with my rights under the FCRA, specifically seeking original contracts with my signature, as well as proof of a legally valid assignment of the debt in question. As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is obligated to ensure the accuracy and validity of the information it reports. However, their response to my request was inadequate, as they merely reissued the same result letter without providing any of the required documentation. 

The FCRA places the burden of proof on TransUnion to substantiate the accuracy of the reported information, and in the absence of the requested documentation, it is their legal obligation to promptly remove the disputed entries from my credit report, since no proof has been or can be provided. This continuous reporting of unverified and unsubstantiated information has had a detrimental impact on my financial standing, affecting my ability to secure credit and housing. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe TransUnion 's actions are in direct violation of the FCRA, and I request your intervention to ensure the protection of my rights as a consumer. I am not seeking another round of investigation or dispute with TransUnion. Instead, I urge the CFPB to take the necessary steps to compel TransUnion to adhere to its legal obligations and delete the reporting discrepancies promptly or else I will be forced to seek legal counsel and retribution. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to address this violation of consumer rights. 

Accounts in question below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS REPORTING TWICE, same account number different balances- this is obviously a factual error and both to be deleted!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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