Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over the course of several months, I have sent multiple letters to TransUnion, XXXX, and XXXX, highlighting the specific instances of non-compliance with the Metro 2 Compliance Standard. Despite my efforts to bring these issues to their attention, the credit reporting agencies have failed to address the clear violations and inaccuracies present on my credit report. Their lack of action is not only a violation of the Metro 2 Compliance Standard but also a breach of the FDCPA and FCRA. 

A recent re-investigation conducted on XX/XX/XXXX to dispute XXXX XXXX, Account # XXXX, XXXX and XXXX, my credit report still reflects the status date or date last reported as XX/XX/XXXX, while the investigation was allegedly ongoing. This glaring disparity strongly suggests that TransUnion, XXXX and XXXX 's investigation was either incomplete, negligently conducted, or conducted with a complete disregard for accuracy and compliance with the FCRA. This discrepancy not only calls into question the thoroughness of the investigation conducted by TransUnion, XXXX and XXXX but also potentially violates the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ). 

A letter DATED on XX/XX/XXXX disputed an account XXXX XXXX, Account # XXXX is an unfair and inaccurate item reporting to my credit report that is violation of the Fair Credit Reporting Act ( FCRA ). 

A letter DATED on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being reported inaccurately, with a high limit balance that is lower than the actual balance owed. This error violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to both the FCRA and the FDCPA, it is strictly prohibited for a collection agency to report a balance on a transferred or sold account. It is evident from my credit report that XXXX XXXX XXXX is in violation of this crucial provision. 


A letter was DATED on XX/XX/XXXX in regards to inexcusable METRO 2 COMPLIANCE ERRORS for : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The following fields : consumer account number, portfolio type, account type, and account status ( XXXX, XXXX, XXXX, XXXX ) are all questionable. The ECOA code is missing ( XXXX ), and there are numerous deceptive and inconsistent data entries ( XXXX, XXXX ), along with questionable and missing details ( XXXX, XXXX, XXXX ). 

In a recent letter DATED XX/XX/XXXX to AGAIN dispute the inaccuracy of these reported accounts also listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts also violate the Metro 2 compliance standards, specifically Base Segment Character Format ( BSCF ) 7, 9, 8, and 17A. The reporting of the account number, account type, and account status is not only questionable but seemingly inaccurate and unacceptable. Furthermore, the absence of vital data under BSCF15 and BSCF13the monthly payment amount and term durationdirectly contravenes the Metro 2 standard, causing significant harm to my credit score. 


In a letter DATED XX/XX/XXXX in regards to inexcusable METRO 2 COMPLIANCE ERRORS for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are questionable entries for consumer account number, portfolio type, account type, and account status ( BSCF7, BSCF8, BSCF9, BSCF17A ). The ECOA code is missing ( BSCF37 ), and multiple fields ( BSCF10, BSCF24, BSCF12, BSCF21, BSCF13 ) are deceptive, inconsistent, missing, or questionable These issues have resulted in persistent inaccuracies and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), demonstrating a flagrant disregard for consumer rights. 

These inaccurate items on my credit report have adversely affected my financial standing and have the potential to impact my ability to secure credit, employment, and housing. It is disheartening to see these credit reporting agencies neglecting their responsibility to ensure accurate and fair reporting, thereby compromising the rights of consumers.

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