Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Formal CFPB XXXX XXXX TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against TransUnion and XXXX for Ongoing FCRA Violations , Negligence , and Facilitating Identity Theft Dear **Consumer Financial Protection Bureau**, I am filing this formal complaint against XXXX and XXXX for their persistent failure to properly investigate and correct inaccurate information on my credit report, in direct violation of the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i**. Despite numerous disputes over the past year, both agencies have continued to send redundant credit reports without providing legitimate verification from data furnishers, directly impacting my financial well-being. 

# # # **Disputed Accounts and Relevant FCRA Violations** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ) ** - **Violation** : **15 U.S.C. 1681i ( a ) ** TransUnion failed to conduct a reasonable investigation after I disputed this account. The agency continues to falsely report a late payment in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX. XXXX corrected this error, but TransUnion and XXXX have failed to follow suit. This is a clear violation of the FCRAs requirements for maximum possible accuracy in consumer reports. 
- **Case Precedent** : In XXXX XXXX TransUnion XXXX, XXXX XXXX Supreme Court held TransUnion accountable for similar failures in proper investigation and verification of consumer information. 
- **Request** : Update this account to " paid as agreed, never late, '' and XXXXdo not delete** the account, as the reporting of late payments is factually incorrect. 

# # # # XXXX. XXXX XXXX ( Account XXXX : XXXX ) ** - **Violation** : XXXX15 U.S.C. 1681s-2 ( b ) ** XXXX XXXX and the credit bureaus have failed to correct or delete inaccurate late payment data, despite over XXXX dispute attempts. The bureaus have reported conflicting dates for the late payments, and neither TransUnion nor XXXX has provided solid proof of my alleged late payments. 
- **Case Precedent** : In XXXX XXXX XXXX XXXX XXXX  XXXX TransUnion was found liable for failing to reinvestigate inaccurate information after multiple disputes. 
- **Request** : Update the account to " paid as agreed, never late, '' and cease reporting inaccurate late payment information. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ** - **Violation** : **15 U.S.C. 1681i ( b ) ** Both TransUnion and XXXX are reporting different balances, with no valid documentation to support these inconsistencies. XXXX has already deleted this account after verifying the inaccuracies, but TransUnion and XXXX have not, violating their obligation to ensure accurate reporting. 
- **Request** : Immediate deletion of this account for failure to meet the FCRAs accuracy requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account XXXX : XXXX ) ** - **Violation** : **15 U.S.C. 1681i ( c ) ** The last activity date for this account is inconsistently reported by TransUnion and XXXX. Despite XXXX correction of the information, TransUnion and XXXX continue to report conflicting data. 
- **Case Precedent** XXXX XXXX XXXX XXXX XXXX XXXX XXXX demonstrated that inaccurate reporting of account activity violates the FCRA and subjects credit bureaus to liability. 
- **Request** : Delete this account for persistent FCRA non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) ** - **Violation** : **15 U.S.C. 1681e ( b ) ** TransUnion and XXXX have reported different dates for the last activity, failing to provide accurate information as required by the FCRA. The continuous reporting of inaccurate data also violates **15 U.S.C. 1681i ( a ) **. 
- **Request** : Delete this account immediately for failure to correct inaccurate information after multiple disputes. 

XXXX XXXX XXXX XXXXOngoing Violations and Negligence Leading to Identity Theft** : Both TransUnion and XXXX have **willfully neglected** their duties under the **FCRA** by refusing to provide legitimate documentation to support their claims of data verification. Instead, they continuously send me redundant credit reports, violating the FCRAs standards for accuracy and investigation. Their behavior mirrors the misconduct found in XXXX XXXX XXXX XXXX, where TransUnion was held liable for falsely claiming verification without conducting a reasonable investigation. 

Additionally, XXXX allowed a fraudster to change my middle name to " XXXX '' **, and both agencies failed to prevent this identity theft. Despite my repeated disputes, neither TransUnion nor XXXX has corrected this error, leaving me vulnerable to further identity theft and financial damage. 

XXXX XXXX XXXX XXXXLegal Basis for Complaint** : XXXX. Under **15 U.S.C. 1681i**, both TransUnion and XXXX are required to conduct reasonable investigations into disputed information. Their ongoing refusal to comply, despite clear evidence of inaccuracies, constitutes XXXXwillful non-compliance**. 

XXXX. XXXX XXXX XXXX XXXXXXXX sets a precedent that credit reporting agencies can be held liable for failing to conduct proper investigations and falsely verifying disputed information. Both TransUnion and XXXX are subject to similar liability under this case. 

XXXX. Both agencies are in violation of **15 U.S.C. 1681b**, which restricts the sharing of personal information with third parties without proper authorization. They have repeatedly furnished my private information to collection agencies without my consent, exacerbating the harm caused by their failure to correct my credit reports.