Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
After repeated attempts at requesting an investigation/re-investigation into an account that was placed into my credit file that is maintained with Transunion, it always comes back after their investigation is allegedly complete with no changes to this derogatory account. I have explained to Transunion that this account in question has been previously XXXX through my Chapter XXXX Bankruptcy filing that had received a full discharge by the United States Bankruptcy XXXX back in 2018, however, Transunion has refused to have this derogatory credit entry deleted from their database based on the information that I have already submitted to them on more than one occasion. The original creditor 's name that I have requested to be removed from my credit report due to the reason stated above is : XXXX XXXX   The amount that is being reported as delinquent and charged off by this Financial Institution is for : {$2100.00}. I have sent Transunion proof that this item was indeed a mistake that has been reported to them by XXXX XXXX, but Transunion still has refused to have this harmful, and very damaging erroneous information removed from my credit file. I am going to paste an excerpt from the FEDERAL TRADE COMMISSIONS WEBSITE regarding procedures that must be adhered to during and after a disputed item is being investigated. This is the excerpt : Credit reporting companies must investigate the items in question usually within 30 days unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in your file. End of excerpt from FTC website. The part where it states that if the information provider finds the disputed information is inaccurate, it must notify all three nationwide credit reporting companies so they can correct the information in my file. Well, in my case, XXXX XXXX ( the information provider for this account ) has verified with XXXX  that the account being reported to the credit bureaus was indeed included in the Bankruptcy XXXX as I have stated when requesting the re-investigation into this erroneous credit entry by them, and XXXX  has updated their credit file under my name and social security number to reflect this new and updated accurate information for this disputed item. In fact, I have even sent Transunion a copy of this updated information taken right from my XXXX  Credit report just so Transunion could follow suit and update or delete this item from their credit report files maintained under my name and social security number as well, but they have refused to do this and I have tried on two prior occasions to bring this to Transunion 's attention now, but unfortunately, Transunion continues to keep the old and inaccurate information reporting on my credit report. Based on the FTC 's definition as I have included in this complaint, Transunion continues to violate Federal Credit Reporting Laws knowingly and willingly, as well as being negligent in their credit reporting of this particular item. Pursuant to the FCRA regulations, I find Transunion in Violation of Sections : 15 U.S. Code 1681i. Procedure in case of disputed accuracy ; and Section : 15 U.S. Code 1681o. Civil liability for negligent noncompliance ; as well as section : 15 U.S. Code 1681n. Civil liability for willful noncompliance ; and finally section : 15 U.S. Code 1681s2. Responsibilities of furnishers of information to consumer reporting agencies. That is four separate FCRA law violations that I am finding that Transunion is in violation of if they don't correct this matter immediately and without any further delay. By the way, I am not requesting yet another re-investigation with this credit entry because we've already been down that road twice before recently with failed results on Transunion 's end. What I am requesting at this point is for Transunion to actually read this whole complaint from beginning to end and then accepting the attachments that i am supplying with this complaint, and to do what the Federal Law says they should have already done after they initially had learned that This information was corrected already with XXXX, and that they should have immediately followed suit and updated their files with this changed and new information about my account with XXXX XXXX  since it was already verified in my favor and updated with XXXX. Instead they have done nothing about it repeatedly and this will be my final attempt at trying to have this resolved without litigation and to pursue a judgement for the four FCRA violations that I have stated above.

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