Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

After over 45 minutes of walking, being frustrated, embarrassed and stressed out searching for XXXX XXXX XXXX, XXXX, Oregon XXXX. I realized that the address contained in my credit report from TransUnion was inaccurate. Their is no such address as XXXX XXXX XXXX, XXXX, Oregon XXXX. Thus, XXXX XXXX initial and current consumer report prepared by TransUnion contains further inaccurate information, in violation of FCRA. 

I called the telephone ( ( XXXX ) XXXX ) listed on my credit report and learned the actual address is XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX. 

I traveled to XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to obtain a certified copy of the tax lien issued by the XXXX XXXX XXXX XXXX XXXX. The certified tax lien specifically shows two different year tax lien ( XX/XX/XXXX and XX/XX/XXXX ). XXXX XXXX initial and current credit report fail to distinguish XXXX XXXX XX/XX/XXXX and XX/XX/XXXX tax lien. 

The failure to distinguish, update, remove, and instead continually reporting XXXX XXXX inaccurate tax lien by TransUnion was inaccurate, and occurred because TransUnion failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of his consumer report. Specifically, TransUnion does not follow the same automated and systematically rigorous processes to obtain all distinguished, satisfactions, releases, or other changes to the public record status of tax liens that it follows to obtain the original entry of tax lien information in the public record. 

Indeed, TransUnion follows no procedure which assures that, when distinguished, paid, satisfied or released tax liens under Oregon law, the updated status is promptly obtained and reflected upon the consumers credit report. 

ODOR public record indicated that the XX/XX/XXXX and XX/XX/XXXX tax lien had been distinguishable on a date prior to the date of the TransUnion consumer report. 

TransUnion failed to comply with 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy of the two distinguishable tax lien information in the consumer report it initially and currently prepared regarding XXXX XXXX. 

As a result of TransUnion continues violation of FCRA, XXXX XXXX has suffered and continues to suffer damages, including denial of credit, lost opportunity to receive credit, damage to reputation, worry, distress, frustration, embarrassment, and humiliation.

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