Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to file a formal complaint against TransUnion regarding their violation of Section 616 of the Fair Credit Reporting Act ( FCRA ). I recently made a complaint to TransUnion regarding inaccuracies on my credit report, and they failed to conduct a proper investigation as mandated by the FCRA. I am seeking appropriate resolution and compensation for each violation of my rights. 

Details of the complaint : 1. Complaint Filed : On XX/XX/XXXX, I submitted a complaint to TransUnion via phone call which their website states that i am allowed to begin dispute via phone Section 611 ( a ) ( 1 ) ( A ) : " Procedure in case of disputed accuracy '' This section grants me the right to dispute any inaccurate or incomplete information reported on my credit report. 

I am exercising this right to request a thorough investigation into the aforementioned inquiries and collection accounts, providing specific details of the inaccuracies I discovered on my credit report. I clearly outlined the discrepancies and provided supporting documentation to substantiate my claim. I followed up XX/XX/XXXX, they requested more documentation which i provided and followed up XX/XX/XXXX, they again requested more documentation. On XX/XX/XXXX I further sent more documentation and when tracking said it arrived I followed up XXXX days later and they said they never got it. XXXX XXXX XXXXXX/XX/XXXX, Transunion continues to shuffle their feet and willfully neglect my claim. 

2. Improper Investigation : Despite my complaint and the evidence I provided, TransUnion failed to conduct a thorough and proper investigation into the inaccuracies on my credit report, as required by Section 616 of the FCRA. 

Section 616 of the FCRA states : ( a ) " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; or ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees, as determined by the court. '' Based on the willful failure of TransUnion to comply with the FCRA, I demand compensation of {$1000.00} for each violation of my rights. I expect TransUnion to be held accountable for their noncompliance and for the damages I have incurred due to their improper investigation. 

I kindly request that the Consumer Financial Protection Bureau initiate a thorough investigation into this matter, ensuring that TransUnion rectifies the inaccuracies on my credit report and compensates me accordingly for their violations. Additionally, I would appreciate receiving updates regarding the progress and resolution of this complaint. 

Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to enforcing the FCRA and protecting consumers ' rights. I look forward to a XXXX XXXX  and appropriate actions taken against TransUnion. 

I will Continue to make a new complaint to the CFPB every XXXX days this matter is unresolved. 

Sincerely, 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 explanation