Consumer complaint received 2023-05-16
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/XXXX I filed CFPB complaint XXXX against TransUnion for failling to fix errors within my credit file. The complaint included over 200 pages of documentation that demonstrated a subscriber engaged in multiple violations of the FCRA, FDCPA, TILA/Regulation Z, and the ADA. My request was : " Pertaining to XXXX, XXXX XXXX clearly acknowledges they have repeatedly attempted to reconcile the account. Given the statements provided by XXXX on XXXX of the enclosed documents and the inaccuracy in the accounts as reported ( per p.1 -3 of the enclosed documents ) I am requesting that the derogatory payment information be changed to No Report ( NR ) for the periods XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Because I filed billing error notices as CFPB Complaint XXXX with response delivered XXXX XX/XX/XXXX, as CFPB Complaint XXXX with response delivered XXXX XX/XX/XXXX as CFPB Complaint XXXX with response delivered XXXX XX/XX/XXXX, and because XXXX billing error investigations were conducted until at least XX/XX/XXXX ( see XXXX paragraph of p. XXXX ), which failed to reconcile the account per XXXX XXXX own acknowledgement, I am asking that the derogatory payment history for the periods XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX be changed to No-Report ( NR ) ; Finally, pursuant to 15 USC 1681i ( a ) ( 5 ) ( C ) I am requestting that XXXX XXXX be blocked from reinserting new or revised information for the account/tradeline. '' TransUnion responded claiming they'd provided non-montary relief : DESCRIPTION OF NON-MONETARY RELIEF 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 '' On XXXX XX/XX/XXXX I filed CFPB XXXX requesting the information be removed. TransUnion responded claiming non-monetary relief : " DESCRIPTION OF NON-MONETARY RELIEF 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. 
That is, TransUnion simply conducted an automatic update on the the applicable account/tradeline for XXXX XXXX which continues to persist the invalid and/or inaccurate information in my credit files as evidenced through a credit report from XXXX XX/XX/XXXX. At this point TransUnion knows or should know the information being persisted is invalid and/or inaccurate and that an " update '' of the information WILL NOT fix the issue. The fact is the information should not be in my credit files because the information was generated based on race discrimination and XXXX discrimination that amounts to unfair, unlawful, and abusive practices. Persisting this invalid and/or inaccurate information in the credit file TransUnion holds on me, ie. TransUnion 's negilgence in removing the information, subjects me to harm as a consumer. I am being subjected to housing discrimination vis-a-vi disparate impact because TransUnion 's persistence of the invalid/inaccurate information is aggregated as a part of tenant screening reports. I make six-figures, yet I have been denied housing in apartment communities for which the monthly cost represents around twenty ( 20 ) percent of my debt obligations because this information exists in my credit files. Finally, as someone who holds or has held a security clearance my livelihood is at risk because this invalid/inaccurate information has been persisted.

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