Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by Transunion. In XXXX of 2021, I identified multiple inaccuracies on my credit report and disputed them immediately. I found multiple mistakes on payment dates, the number of days late on payments, dates of first delinquency, and account numbers. I printed out the report and circled all of the inaccuracies and sent them in with my dispute letters. Per the FCRA, the bureau must conduct a proper investigation, which includes contacting the data furnisher directly to obtain specific documents, such as the signed original instrument of indebtedness, that verify the accounts belong to me. I do not believe a proper investigation was conducted. Any human who examined those documents would have clearly seen these inaccuracies that I pointed out and either corrected them or deleted the accounts in their entirety. This was not done. I believe that Transunion scanned my personal financial information through a third-party system called e-Oscar without my consent. This violates my right to a proper investigation of my disputes. Transunion has failed to produce a single document proving that the disputed items are being properly reported on my consumer file. Most egregious of all, Transunion is aware that they only have 30 days to conduct an investigation and respond to a dispute. If they fail to do this in 30 days, they must delete the disputed items from the consumers credit report. Transunion failed to respond within that time frame on three separate occasions, but they refused to follow the law and delete the disputed items. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. I have been fighting them for over two years to correct these violations, but Transunion has outright refused to follow the law. It has been so long that many of the accounts that I disputed have now reached both the federal and state statute of limitations, yet Transunion still refuses to follow the law and remove them. I have done my due diligence and made sure that Transunion was made aware of their violations of the law and was given a chance to fix them. I have amassed sufficient evidence to prove my claims and will attach some of it to this complaint. At this point, after all these years, If Transunion does not remove the disputed items from my credit report, I will have no choice but to take legal action to resolve my grievances. So, two and a half years later, I am looking forward to taking you to court and finally putting an end to this nonsense. The paperwork has already been pulled, I have consulted with counsel, and our demand letter has been drafted. This is the final chance to avoid litigation.

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