Consumer complaint received 2023-04-24
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: Account status incorrect

Complaint:
XX/XX/XXXX I sent TransUnion a dispute in regards to them reporting a CHARGED OFF ACCOUNT XXXX XXXX XXXX as OPEN with a CLOSED DATE OF XX/XX/XXXX. I asked for them to delete the blatant inaccurate account. 

XX/XX/XXXX TransUnion created me results and prepared me a updated report on this same account and the outcome was Verified as Accurate. The updated report still reflects this charged off account to be open still. to my understanding once a account is charged off, the account is considered to be closed ended, closed in the companies books, and the company has given up collection rights. why is the data furnisher and transunion not in compliance with the FCRA? both companies are willfully in noncompliance [ 15 USC 1681n ] and now in negligent non compliance [ 15 USC 1681o ] for refusing to modify this account to the maximum possible accuracy after I clearly made them aware of this blatant error.

1681s-2 ( a ) ( 1 ) this furnisher is PROHIBITED to furnish any information to the consumer reporting agencies with actual knowledge of errors.

1681s-2 ( a ) ( 2 ) ( B ) this furnisher shall promptly notify Transunion with corrections and shall not thereafter furnish to your agency any information that remains not complete or accurate.

1681e ( b ) whenever a CRA prepares me a new report it shall follow reasonable compliance procedures to assure maximum possible accuracy of the information on my credit report. 

1681 ( b ) it is the PURPOSE of the subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personal insurance, and other information in a manner which is FAIR and EQUITABLE to the consumer, with regard to the confidentiality, ACCURACY, relevancy and proper utilization of such INFORMATION in accordance with the REQUIREMENTS of this subchapter.

1681n in general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equial to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as result of the failure or damages of not l ess than {$100.00} and not more than {$1000.00} ; or 1681o in general. any person who is negligent in failing to comply with any requeirment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consume as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. 

The FCRA is designed to protect the privacy of my report information and guarantees that information supplied by the CRAs is as accurate as possible. As part of Regulation V Appendix E to Part 1022 I ( b ) ( 2 ) A furnishers policies and procedures should be reasonably designed to promote and to furnish information about accounts with a consumer that has integrity, such that the furnisher information ( i ) is sustained by the furnishers records at the time it is furnished ; ( ii ) Is furnished in a form and manner that is designed to MINIMIZE the likelihood that the information may be incorrectly reflected in a consumer report there are MANY more ERRORS on this account. 

XXXX. Account Type OPEN with a CLOSED DATE XX/XX/XXXX on this CHARGED OFF account. 
XXXX. Last Payment Made XX/XX/XXXX but the Payment Received reports XX/XX/XXXX ( {$0.00} ) XXXXEstimated month and year this item will be removed XX/XX/XXXX. not possible if the last payment was XX/XX/XXXX. 
XXXX. Payment History is INCOMPLETE. 
XXXX. Payment History shows INACCURATE Charge Off date. 

I have already requested specific information from XXXX XXXX DIRECTLY on XX/XX/XXXX tracking # XXXX and XXXX XXXX recieved my request on XX/XX/XXXX XXXX have yet to hear back from this company in regards to my inquiry and questions answered.

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