Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Subject : Follow-up Complaint - Inadequate Response from TransUnion Regarding XXXXXXXX XXXX  Dispute ( Case ID : XXXX ) ( Company responded on XX/XX/2023 ) Dear Consumer Financial Protection Bureau , Or TransUnion I trust this message finds you well. I am writing to provide a follow-up to a previously closed case ( Case ID : XXXX ) ( Company responded on XX/XX/2023 ). Regrettably, despite the case closure, my concerns regarding the inaccurate reporting by TransUnion involving XXXX XXXX have not been effectively addressed. This ongoing issue continues to negatively impact my credit and overall financial well-being. 

**Background and Complaint Details : ** In my initial complaint, I raised serious concerns about the inaccurate reporting of an XXXX XXXX account on my credit report. Despite the account being labeled " PAID AS AGREED, '' it contained an erroneous record of 23 late payments. My request was simple yet crucial : to conduct a thorough investigation, rectify this discrepancy, and ensure accurate reporting. 

**TransUnion 's Response and Its Deficiencies : ** TransUnion 's response, dated [ XX/XX/2023 ], while acknowledging my complaint, TransUnion fails to adequately address the core issues that were highlighted in my initial letter. The response provided lacked TRANSPARENCY, SPECIFICITY, AND ADHERENCE TO MY EXPLICIT REQUEST. 

Here 's a detailed breakdown of TransUnion and XXXX XXXX response : - **Lack of Clear Resolution** : TransUnion 's response does not explicitly confirm whether the inaccurately reported 23 late payments related to the XXXX XXXX  account have been RECTIFIED OR REMOVED. 
- **Disregard for Requested Update** : Despite my clear request to update the account status to " PAID AS AGREED NEVER LATE, '' the response fails to provide a definitive assurance of this corrective action. 
- **Failure to Address Discrepancies** : The response omits any acknowledgement or addressal of the specific discrepancies detailed in my initial complaint concerning the inaccurate reporting of late payments by XXXX XXXX. 
- **Contradiction in Verification** : TransUnion 's assertion of verification by XXXX XXXX contradicts the verified inaccuracies as reported in my initial complaint. 

**Legal References and Violations : ** TransUnion 's lack of compliance with my initial request and failure to rectify the inaccuracies related to the XXXX XXXX account results in clear violations of essential consumer protection laws : - **15 USC 1681b** : TransUnion 's disregard for my written instructions to exclude this account from my consumer report constitutes a violation of permissible purpose.

- **15 USC 1681 ( 2 ) ( a ) ( i ) ** : Inclusion of transactions solely between myself and XXXX XXXX in my consumer report violates the exclusion principle. 
- **15 U.S. Code 6803** : TransUnion 's failure to adhere to institution privacy policies, disclose shared information, and provide notifications is evident. 
**Relevance to 15 U.S. Code 6803 : ** ( - **Disclosure to Third Parties : ** TransUnion 's and XXXX failure to notify me of shared personal information violates 6803 ( a ) ( 1 ) obligations. 
- **Information Transparency : ** TransUnion 's and XXXX non-disclosure of the types of collected personal information contradicts 6803 ( c ) ( 2 ) requirements. 
- **Safeguarding Policies : ** TransUnion 's and XXXX inadequate confidentiality safeguards conflict with 6803 ( c ) ( 3 ) mandates. 
- **Omitted Disclosures : ** TransUnions and XXXX failure to inform me about required disclosures aligns with 6803 ( c ) ( 4 ) concerns. 
- **Compliance Exception : ** TransUnion 's and XXXX slack of disclosures contradicts 6803 ( f ) 's exemption criteria. ) **Overall : ** The legal provisions of 15 U.S. Code 6803 underscores the need for accurate reporting and transparent handling of consumer information, which supports my complaint against TransUnion 's and XXXX actions. 

**Consequences and Notice : ** This complaint serves as notice that TransUnion And XXXX XXXX inaccurate furnishing of information could lead to : 1. **Defamation of Character** : Both companies ' inaccurate reporting has the potential to defame my character and damage my reputation. 


2. **Negligent Enablement of Identity Fraud** : Inaccurate reporting increases the risk of identity fraud due to misrepresented financial history. 


3. **Violations of Regulatory Acts** : TransUnion actions may breach the provisions safeguarding fair debt collection practices and consumer reporting.

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