Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
About six months ago I reviewed a copy of all ( 3 ) of my credit reports ( XXXX, XXXX, and TRANSUNION ) where I noticed accounts that are reporting inaccurately. It is showing misleading information, as it is showing me late on a few accounts from XXXX XXXX XXXX XXXX XXXX but to my knowledge this is incorrect or an error not of my own doing. I have spoken to the creditors via mail and simply just asked for the accounts to be updated to PAID/PAID AS AGREED, NEVER LATE if the proper evidence can not be provided. I have been getting either no response or unsatisfactory responses with quick " investigations '' that provide know documentation. I been submitting complaints to the CFPB. This misleading data is causing a great harm to not only my credit score, but my employment is in jeopardy as I'm required to maintain exceptional credit as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After recently seeking legal counsel regarding consumer laws, I was made aware that these inaccuracies are a violation of the Fair Credit Billing Act ( FCBA ), 15 US Code 1666-1666j " the creditor must provide the consumer with PROOF that they were indeed late but they HAVE NOT. It also fails to comply with 15 U.S. Code 1681 " to report fair and accurate information ''. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not proven certifiable fully true, correct, complete, timely of known ownership and responsibility to the consumer. I DEMAND evidence of the investigation beyond a computer automation that simply states " Investigation is Closed '' Please provided the documentation steps required by law indicated which individuals and measures that were taking to prove the Creditor 's claims. 

I beg of you, a quick search of my credit prior to XX/XX/ will show my credit worthiness and consistency of on time payments and fulfillments for over 2 decades. Please eradicate any and all derogatory aspects of reporting and at the MININUM I simply request to rectify as PAID/PAID AS AGREED, NEVER LATE on the below listed accounts. These bureaus are violating multiple FCRA, FCBA laws and it is very detrimental to my credit score and putting my employment in jeopardy. I'm a first responder for the US Government and I'm sick as how errors and lack of due diligence by a creditor can easily and dramatically affect someone's financial livelihood. The companies are listed as followed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Closing, I simply asked to update the listed accounts as PAID/PAID AS AGREED, NEVER LATE or provide the required documentation under the law that a proper investigation was conducted that proves otherwise to not include a automated electronic response as " Verified As Accurate and Updated ''

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