Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I sent out letters by certified mail to TransUnion regarding the inaccurate and incomplete accounts on my report. I have received responses stating that they have completed the investigation and verified everything as accurate. 

This is false because there are several inaccuracies in my consumer report that remain. 

XXXX  XXXX XXXX XXXX violates 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution discloses it to the consumer in writing or electric form. 

The account number is inaccurate- XXXX is reporting the account number as XXXX while both XXXX and TransUnion are reporting XXXX. This can not be correct since you are getting the information from the same place to report this. 

The date of the last activity is inaccurate- TransUnion is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations The date of the last payment is not consistent with the CRAs. TransUnion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this information is coming from them, then, it should be the same. 

XXXX XXXX XXXXXXXX The creditor/furnisher never provided me a written notice that they were going to furnish negative information on my consumer report pursuant to 15 usc 1681s-2 of the fair credit reporting act. Therefore, this violates federal law and is an act of identity theft by them doing so. If they are not able to provide me with proof or documentation that they are allowed to furnish this information to you with my written consent you need to delete this from my consumer report.

The date of the last activity is inaccurate- TransUnion is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations. 

The date of the last payment is not consistent with the CRAs. TransUnion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this information is coming from them, then, it should be the same. 

XXXX XXXX XXXXXXXX The creditor/furnisher never provided me a written notice that they were going to furnish negative information on my consumer report pursuant to 15 usc 1681s-2 of the fair credit reporting act. Therefore, this violates federal law and is an act of identity theft by them doing so. If they are not able to provide me with proof or documentation that they are allowed to furnish this information to you with my written consent you need to delete this from my consumer report.

The date of the last activity is inaccurate- TransUnion is reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. This means this will not fall off the credit reporting agencies at the same time and there is no true statute of limitations. 

The date of the last payment is not consistent with the CRAs. TransUnion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. If this information is coming from them, then, it should be the same. 


TransUnion has failed to perform an investigation pursuant to 15 USC 1681i ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the re-investigation procedure to 15usc 1681i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.

These errors being reported on my credit report are artificially damaging my FICO score and TransUnion can be held liable for Violations under the Fair Credit Reporting Act if you are non-compliant in this investigation. Fines could be up to {$1000.00} per error or more subject to my state. 

If this issue is not resolved, I will be taking XXXX XXXX XXXXXXXX and XXXX XXXX XXXX to arbitration as I have the right to do so in our original credit card agreement for damages of the fair credit reporting act. I will be using the XXXX XXXX XXXX on my behalf.

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