Consumer complaint received 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have been requesting verification of the following account Transunion continues to report on my credit file for XXXX XXXX XXXX XXXX # XXXX. Neither XXXX  nor XXXX reports this account but Transunion continues to report after not being able to provide verification on what they consider to be a verified as accurate. account. Over the course of 2 years I have sent at least 10 letters to Transunion requesting specific detailed information on who, how, when, and where the verification came from for this entry to be reported on my credit file. The responses I received from Transunion to those letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were generic system generated responses simply listing account verified as accurate. 

The Federal Credit Reporting Act has specific guidelines for the Credit Bureaus to respond to a consumers profile and it does not allow a chain response that lacks specific accountability and verification. Section 1681i ( a ) ( 6 ) ( B ) ( iii ) states a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On XX/XX/XXXX, I called Transunion and spoke with a representative who identified herself as XXXX in the Special Handling Department who advised that she could not explain how the account was verified upon me asking. She then advised she would transfer me to her Supervisor in Special Handling Department of Transunion who would detail specifically how the public records account was verified. Upon speaking with XXXX who confirmed himself as a supervisor, he explained that I would have to contact the Federal Court of XXXX to investigate Myself who, how, when, and where their Transunion reporting originated from. I asked XXXX, the supervisor for clarification on his instruction to call a third party for information completely defying the FCRA regulations. He refused to provide an answer why I needed to call an outside party to discuss Transunion reporting on my credit profile. This is clearly an example of Transunion 's inability to provide proof in accuracy of this reporting. 

I received a letter dated XX/XX/XXXX from the XXXX District of Georgia Clerks Office attached herein that states the XXXX District Court of XXXX Clerks Office does not provide information to credit reporting agencies. '' The letter goes on to say that Credit Reporting agencies may in fact use an electronic XXXX  system to try to confirm information they report as accurate. There is a problem with Transunion even using an electronic pacer system to have confirmed the accuracy of their reporting of this docket # XXXX. As a result of the Office of Personnel Management Security Breach in XXXX, as a previous XXXX XXXX, my personal information was compromised and I instituted both security and file freezes on all access to my public information. As such, Transunion could not have confirmed any such information about me using the XXXX, XXXX, or XXXX XXXX Databases ( see proof of file freeze verification herein ) The repercussions here are civil penalties which I intend to pursue for each of at least 10 documented FCRA violations Transunion has committed specified above. 
The failure to provide truth in their method of verification as required under Section 611 ( a ) ( 7 ) is lacking. Under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if a failure to comply with Federal Law persists. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

As the CFPB has oversight with the violations that consumers are subjected too, I am bringing this complaint before you for investigation before litigation so that I may explain to the judge that I followed all reasonable measures in addressing Transunion refusal to uphold FCRA regulations.

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