Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Dear XXXX and TransUnion Cc FTC AND CPFB SUBJECT XXXX AND TRANSUNION FAILURE TO COMPLETE A PROPER INVESTIGATION FOR AN ACCOUNT THAT IS IN VIOLATION OF THE FCRA LAWS FOR INACCURATE INCOMPETENT AND INCONSISTENT REPORTING ACCOUNT NAME XXXX XXXX account I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. XXXX XXXX is reporting a balance of XXXX Open. {$710.00} past due as of XX/XX/2023 to XXXX and they are also reporting balance of XXXX status 120 days past due past due amount XXXX as of XX/XX/2023 to TransUnion this is INACCURATE REPORTING how can the same amount be updated same month and date have TWO DIFFERENT BALANCES PAYMENT HISTORY AND PAST DUE BALANCES THIS ACCOUNT NOR ANY OF THE INFORMATION ATTACHED DOES NOT MEET THE FCRA REQUIREMENTS NOR DO I have ANY knowledge OF FALSE AND ALLEGED DEBT DUE TO THE MULTIPLE INACCURATE INCOMPETENT AND INCONSISTENCIES OF THE INFORMATION BEING REPORTED by law you are REQUIRED TO delete this account and any information connected to it and cease and desist all collection activities and reporting false and illegal information to the CRA permanently. XXXX I added I sent the same dispute to XXXX and the account was removed due to the inaccurate incomplete and inconsistent reporting I will also attach their results which proves XXXX nor TransUnion has done their job to Properly investigate the inaccurate incomplete inconsistent illegal and false information. I have been disputing this account for some time and its comes back verified and validated how when the information such as the balance past due amount and payment history due balance are not consistent which makes which is a violation for the FCRA laws listed below and also is inaccurate reporting 15 usc 1681b if XXXX dispute results removed the account for inaccurate incomplete inconsistent reporting the other CRAs TransUnion and XXXX should as well BY LAW THE ACCOUNT SHOULD BE DELETED PERMANENTLY.I am a ligation customer and I will seek legal action if this account continues to report illegal and false information. See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau.

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