Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Hello, I was looking at my credit report and noticed inaccuracies. I have learned recently of some of my consumer rights, which is promoting me to address inaccuracies. 

I am writing to file a formal complaint against TransUnion regarding their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have encountered an issue with a collection account on my credit report, and despite my efforts to address the matter, TransUnion has failed to provide satisfactory resolution. Specifically, TransUnion has reported inaccurate information on my credit report, which is in direct violation of the FCRA Section 607 ( b ), which mandates that consumer reporting agencies must ensure the accuracy of the information they report. 

On XX/XX/XXXX, I contacted TransUnion to request verification of a collection account that appeared on my credit report. In my communication, I explicitly stated, " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' I expected TransUnion to thoroughly investigate the matter and provide me with the necessary information to validate the debt. 

However, on XX/XX/XXXX TransUnion responded to my request, stating that the information had been verified, without providing any supporting documentation or evidence. This response is in direct violation of my consumer rights, as outlined in the FCRA. According to the FCRA Section 611 ( a ) ( 7 ), consumers have the right to be provided with the method of verification and the name and address of the original creditor upon request. TransUnion 's failure to fulfill this obligation raises serious concerns regarding their compliance with federal regulations. 

I have made diligent efforts to resolve this matter, including disputing the collection account directly with TransUnion and providing them with a detailed explanation of the issue. However, their response has been unsatisfactory and does not address my concerns. 

I am asking if the Consumer Financial Protection Bureau can conduct a thorough investigation into this matter and takes appropriate action to ensure that TransUnion adheres to its obligations under the FCRA. I believe it is essential to protect consumer rights and maintain the accuracy and integrity of credit reporting. 

Enclosed with this letter, please find copies of relevant documentation, including my correspondence with TransUnion and proof of my dispute. I would greatly appreciate your assistance in rectifying this situation and holding TransUnion accountable for their actions. 

Thank you for reading, and I apologize for the length of this letter. 


I have no knowledge of the following collection accounts 1.Account number : XXXX Balance : {$530.00} Address of creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 2.Account number : Unknown because transunion has not put what the account number on my report Balance : {$1200.00} Address of creditor : XXXX XXXX XXXX XXXX, XXXX XXXX 3.Account number : XXXX Balance : {$800.00} Address of creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX My name is XXXX XXXX, my date of birth is XX/XX/XXXX XXXX and my social is XXXX. 

Thank you.

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