Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am filing this formal complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), compounded by their refusal to provide documentation required under the Code of Federal Regulations ( XXXX ). TransUnions actions stand in stark contrast to XXXX and XXXX, both of which completed their investigations and removed disputed items from my credit report. TransUnions non-compliance with federal law denies me the transparency and fairness mandated by the FCRA and supported by the CFR. 

Disputed Items and TransUnions Response The following items remain on my report, despite my request for verification : XXXX Dividend Account Number : XXXX Date of Account : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Date of Account : XX/XX/XXXX TransUnion claims that these items were verified as accurate. Yet, they have refused to provide the underlying documentation for this verification, a right afforded to me under both the FCRA and CFR regulations.

Violations of the FCRA and CFR by TransUnion 1. Violation of Documentation and Verification Rights under the FCRA and 12 CFR 1022.43 Under 15 U.S.C. 1681g and 1681i ( a ) ( 6 ) ( B ) ( iii ), consumers have the right to receive all records of accuracy and verification. Furthermore, 12 CFR 1022.43 requires that credit reporting agencies furnish upon request a description of the reinvestigation procedure along with all information that formed the basis of the verification. My repeated requests for this documentation have been denied by TransUnion, which contravenes both statutory and regulatory standards, denying me my right to examine the legitimacy of the retained data.

2. Lack of Consistent Reporting Among Credit Bureaus, in Violation of FCRAs Maximum Possible Accuracy Standard and 12 CFR 1022.40 ( a ) The FCRA requires that consumer reporting agencies ensure maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). This requirement is further reinforced by 12 CFR 1022.40 ( a ), which mandates that CRAs maintain procedures reasonably designed to ensure the accuracy and integrity of consumer information. The inconsistency of TransUnions findings with those of XXXX and XXXX, both of which removed the same items, raises significant doubts about TransUnions adherence to accuracy and integrity standards as mandated under federal law. 

XXXX. Failure to Provide a Fair and Transparent Reinvestigation as Mandated by the FCRA and 12 CFR 1022.43 ( a ) Under 12 CFR 1022.43 ( a ), consumers are entitled to a reasonable reinvestigation of disputed information with access to the results and a description of the reinvestigation procedures used. By failing to disclose the requested documentation or details of their investigative process, TransUnion has deprived me of the equitable right to evaluate their handling of my dispute, contrary to both the FCRA and CFR standards. TransUnions unwillingness to share this information reveals a lack of compliance with both transparency and good faith obligations outlined in Blacks Law Dictionarys interpretations of equitable rights and fair dealing.