Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion XX/XX/XXXX I am writing to bring to your attention a serious concern regarding potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ) and 1681e ( b ). Upon thorough examination of my credit report, I have identified discrepancies that raise questions about the accuracy and compliance with the aforementioned statutes. 
I have made multiple attempts from early XXXX  of this year and most recently XXXX in regards to inaccurate/incomplete accounts reporting on my credit report. I have received letters most recently XX/XX/XXXX back stating the accounts have been verified as accurate. I dont believe they performed an investigation required by the FCRA because it will be impossible for the mismatched data points to be verified as accurate and they have violated my rights under the FCRA act. Please see the inaccurate reporting accounts below and I demand they be removed immediately. 
XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Information : The account number is partially redacted in the report. Dates : The reported date opened varies between the bureaus ( XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX XXXX XXXX ) XXXX date last active also varies between the bureaus ( XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX ) .Date of Last Payment : There is no information provided about the date of the last payment across any of the reports. XXXX XXXX XXXX : There is no reported payment history for this account across any of the XXXX credit bureaus. 
XXXX XXXX  XXXX Original Creditor : XXXX XXXX  ) XXXX Information : The account numbers are partially redacted in the report. Balance : There's a discrepancy in the reported balances between TransUnion {$1300.00}, XXXX {$1300.00} and XXXX XXXX, Dates : The reported date opened differs across the three bureaus Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX The date last active is reported as XX/XX/XXXX Transunion, XX/XX/XXXX XXXX and XXXX for XXXX. 
XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Account Information : Account numbers are partially redacted in the XXXX Transunion, XXXX XXXX, XXXX XXXX Two-Year Payment History : There XXXX no reported payment history provided or available in the shared information for this account in the specified months and years. ( incomplete ) XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Account Information : The account number is partially redacted in the report. Dates last active : Transunion XX/XX/XXXX, XXXX XXXX, XXXX N/A XXXX Year Payment History : There is no reported payment history provided or available in the shared information for this account in the specified months and years. ( incomplete ) XXXX. XXXX XXXX Account XXXX : The account numbers are partially redacted in the report. Inconsistent High credit reported {$300.00} TransUnion and {$200.00} XXXX XXXX XXXX. XXXX XXXX and Past Due : TransUnion reports a {$200.00} credit limit ; however, XXXX states a credit limit of {$0.00} and XXXX XXXX XXXX Date opened : Transunion XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX Date last active : XX/XX/XXXX Transunion, XXXX XXXX and XXXX XXXX XXXX History : No specific payment history data for the provided months and years is mentioned or available in the provided information is incomplete. 

XXXX XXXX  XXXX XXXX XXXX : account numbers are partially redacted in the report. High credit reported varies : {$510.00} in TransUnion, {$0.00} in XXXX, and {$300.00} in XXXX. Credit limits : {$300.00} consistently reported by TransUnion and XXXX, while XXXX indicates {$0.00}. Date XXXX Transunion, XX/XX/XXXX XXXX, and XXXX XXXX XXXX Active varies XX/XX/XXXX on TransUnion, XX/XX/XXXX XXXX on XXXX, and XX/XX/XXXX, on XXXX. Two-Year Payment History : The payment history is represented using codes like CO ( Charge-off ) and OK ( Okay ), indicating different statuses across different months and years. 

XXXX XXXX XXXX : Account number partially redacted. XXXX XXXX XXXX : No specific payment history details are provided in the shared information, as the table cells for payment history are blank. N/A on XXXX or XXXX XXXX XXXX Details : Account number partially redacted.Two-Year Payment History : No specific payment history details are provided in the shared information, as the table cells for payment history are blank. N/A on XXXX or XXXX XXXX XXXX XXXX Details : Account number partially redacted. High credit reported as {$960.00} on TransUnion, {$920.00} on XXXX and XXXX on XXXX. Credit limit {$700.00} on TransUnion, {$0.00} on XXXX and XXXX XXXX. 
Date XXXX : XX/XX/XXXX Transunion, XXXX XXXX, and XXXX. Date last active : XX/XX/XXXX Transunion, XXXX XXXX, and XX/XX/XXXX XXXX. Two-Year Payment History : Inaccurate and incomplete. 
Section 1681b ( a ) ( 2 ) of the FCRA mandates that a credit reporting agency may furnish a consumer report only to those with a permissible purpose. It appears that my credit information was disclosed to an entity without a permissible purpose, as outlined in this section. I DID NOT give written consent for any of this information to be on my report. Additionally, Section 1681e ( b ) requires reasonable procedures to ensure maximum possible accuracy of consumer reports. It seems that these procedures may not have been diligently followed in my case.

I request that you conduct a comprehensive investigation into these matters and provide me with detailed information regarding the circumstances surrounding the unauthorized disclosure of my credit information and any potential lapses in ensuring the accuracy of my consumer report. This erroneous information has had adverse effects on my credit standing, causing denials and high interest rates for mortgage loans etc. I believe that your agency 's actions represent a clear violation of the FCRA, specifically Section 1681e ( b ) and Section 1681b ( a ) ( 2 ). According to the FCRA Section 1681n, individuals are entitled to seek damages for willful noncompliance with FCRA requirements. I am formally requesting compensation for the violation in the amount of {$1000.00} per violation, as permitted by the FCRA. 
Furthermore, I expect your agency to take prompt and appropriate corrective actions to delete all inaccuracies/incomplete accounts above. Please consider this letter as a formal dispute under the FCRA, and I trust that your agency will fulfill its statutory obligations to guarantee the accuracy and fairness of the information in my credit report. 
I anticipate your immediate attention to this matter and a timely response within the statutory period. 
Sincerely, XXXX XXXX

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