Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 disputed items that I found on my credit report with Trans Union in a letter dated XX/XX/XXXX. I received my response on XX/XX/XXXX. They did not delete the obsolete data which I identified on my account. On XX/XX/XXXX I contacted TU via phone call to inform them of the errors still in my report and that they were in violation of us 15 s1691c, e. I also informed them that I provided documentation of a closed account that myself ( the consumer ) and the company signed and agreed to have the listed account removed from my TU report yet it was not deleted. 

I reminded the representative that they were in violation of sec623 of the FDCRA When I provided the list of accounts that needed to be removed they responded with all they could do was dispute it and they report from the last date of activity. How do you dispute something that's already been disputed? I already provided a signed letter of agreement to delete items from my report. Now they need to speak with the company ... ..again? So whose information did TU rely on initially? In the legal findings of Henson, 29 F.3d at 286 ; also Pinner , 805 F.2d at 1262 ( where consumer informed consumer reporting agency of his personal dispute with manager of credit grantor, it was unreasonable under 1681i ( a ) for consumer reporting agency to rely solely on manager for information ) This process is stressful and affecting my return to work when my credit is pulled for employment. TU didn't investigate initially and instead skimmed over my account. " To show willful noncompliance with the FCRA, [ TUC ] 'knowingly and intentionally committed an act in conscious disregard for the rights of others, ' but need not show 'malice or evil motive. ' " Philbin, 101 F.3d at 970 ( quoting Pinner , 805 F.2d at 1263 ). 
Also new data that wasn't in my credit report in my original dispute report on XXXX XXXX showed up on the new report sent to me by TU. Section 1681g ( a ) ( 1 ) provides that [ e ] very consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. Id. 1681g ( a ) ( 1 ). The Seventh Circuit has held that file means the information included in the consumer report produced by a CRA to businesses Gillespie v. Trans Union Corp., 482 F.3d 907, 910 ( 7th Cir. 2007 ), Lastly rather than follow the guidelines of the law TU uses the obscure business model of reporting the " last date of activity '' which TU doesn't identify on its website or on the credit report. Instead they put and 'Updated date ' or various " other dates '' which is not clear and concise disclosure. 

To give an example of how unclear their method of " Last Date of Activity '' is I present this example. If in fact they do use this process and are reporting the " Last Payment Made '' on the credit report as the " Last Date of Activity '' then why is it that one of my accounts XXXX XXXX XXXX. was not deleted. It shows a last payment made date of XX/XX/XXXX a date updated date of XX/XX/XXXX well into the 8 year mark and yet still listed on my credit report when it should have been removed from the first letter dated on the XXXX of XXXX. Either they operate under the premise of " The Last Date of Activity '' Which should be clear and concise language for all consumers or they abide by the Law of the FDCRA. Both can not be true at the same time. 

Consumers are required to have fair and accurate reporting in their Credit Reports. In fact nowhere is it listed, stated or implied that the organization will report obsolete data from the 'Last date of Activity '. Instead a consumer is informed of that information when they contact TU. TransUnion makes the disclosure deliberately confusing to benefit debt collectors who are trying to collect outstanding debts.

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