Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I acquired a copy of Transunion credit report. Upon review, I noticed some inaccurate information and erroneous accounts reported on my file. I sent TransUnion a letter certified mail which they received on XX/XX/XXXX, showing them the inaccuracies, and requesting they send an original instrument of indebtedness that they used to verify these accounts. By law, they are required to respond to my disputes within 30 days. If they fail to verify the information within 30 days, the data furnisher must delete the disputed accounts immediately. The 30-day period came and went with no response, but Transunion refused to comply with the law and did not delete these accounts, even though they are required by law to do so. I then sent another letter, received XX/XX/XXXX, notifying them of their non-response, to which they finally answered, saying these accounts were verified, but provided no proof of such verification. I them asked what method that they used to verify these accounts in a letter that they received on XX/XX/XXXX. They did not respond in the required 30 days AGAIN. Then 40 days went by, then 50 days until I sent them ANOTHER non-response letter, which they received on XX/XX/XXXX and was signed for by a XXXX XXXX, notifying them of their obligation to remove these inaccurate accounts for failure to respond AGAIN. It has now been well over 30 days and Transunion has violated my rights under section 605 of the Fair Credit reporting act for the THIRD time in 7 months by not responding to my disputes. The law is very clear about the {$1000.00} penalty per violation, but this company seems to have no regard for the laws and regulations of the federal government. This information was supposed to have been deleted long ago, but Transunion has openly and blatantly ignored these requirements. The violation of my rights by this company has caused direct damages and distress to my life. What's even worse is when you look at my dispute, these are clear cases of inaccurate information being reported between the bureaus, by Transunion has chosen to lie and say that this information is accurate, even when presented with incontrovertible evidence. For the account XXXX XXXX XXXX, there is literally no payment history of any kind. Nothing. When was this account delinquent? How many days was this account delinquent? Was this account ever in use? Transunion can clearly see that this is completely inaccurate information. This company has also failed to produce the original instrument of indebtedness that they should have been shown to even report this on my credit file. How can this account possibly have been verified if Transunion does not have the signed contract that is required by law? This account does not meet the requirements of the FCRA and must be deleted. For the account XXXX XXXX XXXX, TransUnion reports that this account was 30 days late in XX/XX/XXXX. However, XXXX reports this account as 30 days late in XX/XX/XXXX. Which one of the reports is correct? Was the account delinquent in XX/XX/XXXX or XX/XX/XXXX? This violates the standardized reporting requirement of the FCRA, and this account should have been immediately deleted. Transunion refused to do so. Also, for the month of XX/XX/XXXX, the report reflects 120 days late, but for the next month of XX/XX/XXXX, the report shows as 30 days late. How is this possible? This is completely inaccurate reporting and grounds for deletion under the FACTA amendment to the FCRA that requires that everything that is reported must be accurate. TransUnion refused to do so. This company failed to produce a contract with my signature to report this account on my file, which should have triggered an immediate deletion. Transunion refused to do so. These are violations on this account are clear as day to anyone with eyes and this should have been taken care of from the very beginning. For the account XXXX XXXX, your records indicate that this account was 30 days late in XXXX of XXXX. However, XXXX reports this account as 30 days late in XX/XX/XXXX. Also significant, XXXX reports this account as 30 days late in XX/XX/XXXX. So, which one of these XXXX dates is correct? This is clearly not standardized reporting and is inaccurate ; this account should have been deleted. Transunion refused to do so. Transunion also failed to produce a signed contract for this account, as well. Another violation of the law. For the account XXXX. XXXX XXXX, I directly contacted this collector, myself. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was a complete falsehood on the part of Transunion. For the account XXXX XXXX XXXX, I directly contacted this collector, myself. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was another falsehood on the part of Transunion. And finally, for the account XXXX XXXX XXXX, I directly contacted this collector, myself, AGAIN. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was a yet another falsehood on the part of Transunion. Transunion clearly thinks that I am stupid or ignorant of the law. I assure you that I am neither. This list of violations of the Fair Credit Reporting Act by Transunion would seem almost humorous if they weren't so detrimental. I have built a very damning case against this agency and there repeated and willful disregard for the laws that govern them. I am done having my rights be violated by this company. I am done being a victim of their crimes. I have done my part in bringing these violations to their attention, to no avail. Transunion 's blatant illegal activity regarding my credit report needs to be severely and swiftly punished. I have rights under the FCRA, and I demand that they be upheld. Transunion knows that, due to their actions, the law is on my side, and it seems as if they are trying to wait me out. I am filing this complaint to let Transunion know that I am not going anywhere and that my fight with them is just getting started. I fully intend to come after this company with the full force of the courts until they comply with the law. This is the FINAL attempt to resolve this matter outside of the court. I am a litigious consumer and I intend to collect damages in the $ 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