Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This complaint is being filed against Transunion, XXXX XXXX XXXX XXXX PA XXXX for violation In accordance with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY There are still many inaccuracies that remain on my consumer file. I sent 3 dispute letters to Transunion on XX/XX/XXXX, sent Certified Mail XXXX, Certified Mail XXXX, and Certified Mail XXXX. These letters were received on XX/XX/XXXX, and XX/XX/XXXX. The response received back from Transunion is that each of my disputes were Verified. I requested that a re-investigation be done on XX/XX/XXXX, because my credit file still contained errors, this was sent Certified Mail XXXX, and was received on XX/XX/XXXX. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. They stated these accounts were Verified. Transunion never re-investigated. The third letter was sent to Transunion requesting Method of Verification. This letter was sent to Transunion on XX/XX/XXXX, which was received on XX/XX/XXXX. I received a letter from Transunion XXXX XXXX : XXXX dated XX/XX/XXXX, that my dispute appeared to be sent by a third party. I am not a credit repair agency, but as a consumer I have the right to dispute anything that I believe is reporting inaccurate on my consumer file. I sent supporting documentation such as copies of the inaccurate accounts still reporting on my consumer file. I attached a copy of my drivers license and social security as proof of my residence, and my identity. I believe that Transunion has violated my consumer rights and I am requesting that these items be removed from my consumer file.

According to FCRA I believe I did everything right and a ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general. Subject to subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
According to : ( 4 ) CONSIDERATION OF CONSUMER INFORMATION In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

At this time all supporting documentation was submitted along with proof of address and social security number was attached identifying me as the person disputing ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

FCRA 611 ( 15 U.S.C. 1681 I ) PROCEDURE IN CASE OF DISPUTED ACCURACY were the violations found after disputing with Transunion. 
These are the items that were found to be inaccurate, and these are the items I requested that Transunion have deleted from my consumer file. 

XXXX XXXX XXXX Acct # XXXX Notice of Dispute Missing on credit file, this is a violation XXXX XXXX XXXX XXXX Acct $ XXXX The date of Last Active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, also the date of last payment is inaccurate. Transunion has XX/XX/XXXX and XXXX has XX/XX/XXXX, this is a violation. 

Finwise /OppLoans Acct # XXXX High credit limit is inaccurate, Transunion has XXXX, XXXX has {$0.00}, and XXXX has {$3400.00} this is a violation. The last payment for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XX/XX/XXXX, also The date last active is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX. This is a violation. 

XXXX XXXX Acct XXXX Transunion has the high credit XXXX, XXXX has XXXX and XXXX has {$600.00}. The credit limit for Transunion is XXXX XXXX has {$300.00} and XXXX has {$0.00}. Last reported for Transunion was XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, date last active for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, the date of last payment for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is a violation. 
XXXX Loans Acct # XXXX The date last reported is inaccurate for Transunion is XX/XX/XXXX XXXX XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX XXXX Notice of Dispute is missing This is a violation. 

XXXX XXXX Acct $ XXXX The date reported is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX. The date of last payment is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX XX/XX/XXXX, this is a violation. 

XXXX XXXX XXXX Acct # XXXX The date last active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX this is a violation. 

XXXX XXXX XXXX # the amount listed on XXXX is {$620.00} and XXXX has the amount of {$620.00}, this is inaccurate, the date last active for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this a violation. 

XXXX XXXX XXXX Acct # XXXX The date last active for Transunion has XX/XX/XXXX which XXXX XXXX this account. The date last active for XXXX is XX/XX/XXXX and XXXX has XX/XX/XXXX this is a violation. 

XXXX XXXX XXXX Acct # XXXX the date last active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is violation XXXX XXXX XXXX Acct # XXXX The date last active for Transunion is XX/XX/XXXX and XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX this is a violation. 

XXXX XXXX XXXX # XXXX The date last active is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX, the date last reported is inaccurate Transunion XXXX XX/XX/XXXX and XXXX has XX/XX/XXXX, this is a violation. 

XXXX XXXX Acct # XXXX Transunion has high credit limit of XXXX, XXXX has XXXX and XXXX XXXX XXXX, Transunion has the past due XXXX XXXX has XXXX and XXXX has XXXX, the date last active Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, these are all inaccuracies on my credit file, this is a violation. 

XXXX XXXX XXXX Acct # XXXXThe date last active for Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, the date last paid has three different dates, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is inaccurate, and a violation. 

XXXX XXXX Acct # XXXX high credit is inaccurate Transunion has {$620.00}, XXXX has {$0.00}, and XXXX has {$500.00}. credit limit is wrong Transunion has XXXX, XXXX has XXXX and XXXX has XXXX. The date last reported for Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, this is inaccurate. This is a violation. 

XXXX XXXX XXXX Acct # XXXXThe date last active has XX/XX/XXXX for Transunion, and XX/XX/XXXX for XXXX this is a violation.

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