Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On or around XXXX XX/XX/XXXXXXXX XXXX Transunion responded to CFPB complaint XXXX, which outlined false, misleading, and inaccurate information supplied to Transunion by a creditor, and the unfair deceptive, and abusive practices of a creditor that led to such information being supplied. Transunion responded with : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect receive those results in approximately 7 business days. '' Transunion then flagged the closeout of complaint XXXX with non-monetary relief. The explanation of the alleged relief was : " In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED ( 3 ) '' I would like to be very clear in tha this particular creditor did not following the timely requirements of providing periodic statements under CFPB interpretation of Regulation Z, 12 CFR Part 1026. In XXXX I explained, with accompanying documentation that I filed a billing error notice with the creditor in a timely manner. I provided Transunion documentation showing the creditor acknowledge their failure to provide paper statements and access to electronic statements. I demonstrated to Transunion that within under sixty ( 60 ) days of the creditor 's response, the creditor 's computing systems not only continued to deny access to paper and electronic statements, but additionally continued to show zero ( 0 ) accounts. I demonstrated to Transunion that upon providing a second billing error notice to the creditor, the creditor locked me out of their online portal as a form of retaliation, provided a summary screenshot of what I allegedly " owed '' instead of providing periodic statements, charged-off the accounts, attempted to sue me in state court for the statutory max, that itself was inconsistent with the alleged amounts " owed '' or " past-due. '' I provided Transunion with over one-hundred and thirty pages of documentation, plus a summary of an accompanying complaint filed with my state 's regulatory agencies, and DoJ, outlining the harm the creditor had caused. And, despite the copious documentation, and the statements, Transunion alleges the information supplied by the creditor has been " verified. '' Yet, if Transunion examined the documentation, the alleged line ( s ) of credit as reported to Transunion by the creditor indicates a line of credit allegedly opened XXXX XX/XX/XXXX with a scheduled payment of XXXX XXXX, a high balance of XXXX XXXX and a line of credit extended n the amount of XXXXXXXX XXXX. That account doesn't exist and there is no way possible that a financial services institution of ANY kind would open a new line of credit after allegedly charging-off and suing an individual. Since this same information has been reported to another CRA, it is far more likely the creditor is engaging in deceptive and abusive practices by supplying false, misleading, inaccurate information to Transunion as leverage over me. That is, the creditor is aware of its actions and doing such as putative measure because I have continued to complain about the serious violations of Federal law which the creditor engaged in that continue to harm me as a consumer. From the evidence supplied by me in CFPB complaint XXXX, which outlined the illegal practices of this creditor, Transunion knows , or should know the information supplied by this creditor is and has been false, misleading, and inaccurate. Therefore, Transunion is violating its responsibilities under the FCRA. I am asking one last time for the account to be removed from my credit file. As I now work for an entity that operates a federal research lab, I will have no choice but to sue Tranunion if it fails to remove this account from my credit report AND fails to prevent this particular creditor from reinserting data into my credit files for accounts previously removed by Transunion. There is no good reason why Transunion should allow themselves to be used as a vehicle for harassment of a consumer.

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