Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion continues to persist information in my credit file it knows or should know is inaccurate. I have disputed two accounts with XXXX on at least three ( 3 ) other occasions with Transunion. In those complaints I outlined how XXXX stopped generating statements. I demonstrated that XXXX 's own systems showed I had zero ( 0 ) accounts with the XXXX XXXX. I demonstrated that I filed multiple billing error notices with the XXXX to which XXXX itself admitted to the billing errors. I demonstrated XXXX was unable to provide me with ANY statements past or present because their system continued to claim I had zero ( 0 ) accounts with the XXXX XXXX. I demonstrated they sent me a screenshot from their alleged computing system showing I had a balance. I provided a copy of CFPB interpretation of Periodic Billing and Statement Requirements under TILA/Regulation Z. I explained that I was retaliated against for filing billing error notices and providing screenshots from XXXX onine system, after which XXXX locked me from being able to retrieve ANY information regarding my accounts. I explained to Transunion that the XXXX, in locking me out of my accounts, XXXX also violated reasonable accomodations that are to be afforded to me under the XXXX as a XXXX individual. I explained to Transunion how I was also targeted by XXXX specifically because I was a XXXX individual and unlikely to fight back against the harassment. Finally I provided a copy of the complaint I sent to the US Attorneys Office for my federal district, which included ninety ( 90 ) pages of documentation. At this point Transunion knows, or should know, the information furnished for my XXXX accounts is false/misleading/inaccurate and that the information it has persisted for these accounts has caused or is likey to cause me harm, especially since I am a XXXX individual. Transunion has had the opportunity to remove the derogatory, and quite frankly defamatory, information for these accounts from my credit file on at least three ( 3 ) occasions : XX/XX/XXXX ( CFPB Complaint XXXX ), XX/XX/XXXX ( CFPB complaint XXXX ), XX/XX/XXXX ( CFPB Complaint XXXX ). They have done nothing except " update '' the information and claim that updating false/misleading/inaccurate information constitutes " non-monetary relief ''. They have never looked through the copious documentation I provided. By " updating '' the information and marking the CFPB complaints with " non-monetary relief, '' Transunion attempts to skirt the reasonable investigation requirements of 15 U.S. Code 1681i while at the same time escaping the scrutiny of the CFPB for poor behavior as brought to light in CFPB release " CFPB Releases Report Detailing Consumer Complaint Response Deficiencies of the Big Three Credit Bureaus '' in XXXX. The fact is that in this complaint Transunion has neither fufilled its obligations in response to consumer disputes under 15 U.S. Code 1681i, nor ensured the data it persists for my XXXX accounts meets the maximum accuracy requirements under 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ). The account/tradelines need to be removed.

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