Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I Sent my Dispute letters on XX/XX/XXXX. I requested to the credit bureaus to " investigate every piece of information on my credit report accounts. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX Both collections accounts were removed from my Credit Report on XXXX XXXX as a result of my dispute letter requesting TransUnion to conduct a proper and reasonable investigation. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 
According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 
I recently received a notification that on XXXX XXXX two collection accounts were added to my TransUnion credit report. 

In accordance with the Fair Credit Reporting act. The List of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. The bureaus made these decisions after a review of medical debt revealed that, for most people, the debt was a result of a one-time or emergency event. 

I have attached information published by the CFPB regarding individuals medical bills under {$500.00} and other websites. 

These accounts above have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S. Code S 1692e ( 8 ) violation under the FDCPA debt collectors for false credit reporting False or misleading representations.

15 U.S. Code S 1681i - Procedure in case of disputed accuracy.

15 U.S. Code S 1681s2b - Responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code S 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. 

These are clear violations of my federally protected consumer rights.

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