Consumer complaint received 2023-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention the numerous violations of federal laws committed by Trans Union, one of the major credit reporting agencies, and XXXX XXXX XXXX XXXX XXXX. It is deeply concerning that these entities have failed to adhere to the regulations set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws. I have documented evidence to support these claims, which will be attached to the official complaint filed with the Consumer Financial Protection Bureau ( CFPB ). 

I. Failure of Accurate Investigation by Trans Union Trans Union has egregiously failed to conduct a thorough and accurate investigation into my consumer dispute, as mandated by Section 611 of the FCRA ( 15 U.S.C. 1681i ). Despite providing them with all the necessary information and evidence, they have not diligently addressed my concerns and have instead misrepresented the facts. This lack of due diligence demonstrates their disregard for the FCRA 's requirement to ensure accurate and fair credit reporting.

II. Misrepresentation to the CFPB Trans Union has deliberately misrepresented facts and provided false information to the CFPB during their investigation into my complaint. This deceptive behavior not only undermines the integrity of the investigative process but also violates Section 615 of the FCRA ( 15 U.S.C. 1681m ), which prohibits credit reporting agencies from knowingly providing inaccurate information to consumer reporting agencies.

III. Violations of the FCRA by Trans Union Trans Union has consistently failed to abide by several provisions of the FCRA, thereby compromising the rights of consumers. The following are some of the specific violations : a ) Failure to provide accurate and complete information in consumer reports : Trans Union 's failure to provide accurate and complete information directly contravenes Section 607 ( a ) of the FCRA ( 15 U.S.C. 1681e ( a ) ), which mandates the maximum possible accuracy of consumer reports. 

b ) Negligence in conducting timely investigations and resolving disputes : The failure of Trans Union to conduct timely investigations and resolve disputes violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which requires credit reporting agencies to complete investigations within 30 days of receiving a consumer dispute.

c ) Inadequate procedures to ensure maximum possible accuracy of consumer information : Trans Union 's failure to implement adequate procedures to ensure maximum possible accuracy of consumer information is a violation of Section 611 ( b ) of the FCRA ( 15 U.S.C. 1681i ( b ) ).
e ) Lack of reasonable procedures to verify the accuracy of information provided by data furnishers : Trans Union 's failure to implement reasonable procedures to verify the accuracy of information provided by data furnishers violates Section 611 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ). 

f ) Inaccurate reporting and failure to correct inaccurate information upon notification by consumers : The inaccurate reporting by Trans Union and their failure to correct inaccurate information upon notification by consumers are violations of Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 2 ) ). 


XXXX XXXX XXXX XXXX XXXX 's Violations of the FCRA : XXXX XXXX XXXX XXXX XXXX, as a data furnisher, has also violated several provisions of the FCRA. Notably, they failed to provide me, as a consumer, with a timely and accurate letter regarding the status of an account. This violation directly contravenes Section 623 ( a ) ( 8 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ), which requires data furnishers to provide accurate and complete information to consumer reporting agencies. 

Furthermore, XXXX XXXX XXXX XXXX XXXX 's letter contained an incorrect spelling of my name and an inaccurate address with the wrong state. This discrepancy in personal information not only violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which mandates the accuracy of consumer information, but it also infringes upon Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 2 ) ), which requires credit reporting agencies to correct inaccurate information upon notification by consumers. 

By failing to submit a timely and accurate letter, XXXX XXXX XXXX XXXX XXXX has violated the FCRA and has neglected their obligation to provide consumers with necessary and accurate information regarding their accounts. 

In light of the aforementioned violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate these matters and take appropriate enforcement actions against Trans Union and XXXX XXXX XXXX XXXX XXXX. These violations have had a significant impact on my rights as a consumer and have caused considerable harm to my creditworthiness and financial well-being. 

I have attached all relevant supporting documentation to substantiate these violations. Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will take swift action to rectify these violations and safeguard the rights of consumers. 

I. Inaccurate Reporting of Repossession by Trans Union Trans Union has erroneously reported a repossession on my credit report, despite there being no late payments in the seven-year history of my account with XXXX XXXX XXXX XXXX XXXX XXXX This violation directly contravenes Section 623 ( a ) ( 1 ) ( C ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) ), which requires data furnishers to report accurate and complete information to credit reporting agencies. The inaccurate reporting of a repossession without any late payments or voluntary repossession raises serious concerns about the integrity of Trans Union 's credit reporting practices.

II. Incorrect Balance Reporting by Trans Union and XXXX XXXX XXXX XXXX XXXX Both Trans Union and XXXX XXXX XXXX XXXX XXXX have reported an incorrect balance on my account. This violation violates Section 623 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ), which mandates the accurate reporting of consumer account information. The inaccurate balance reported by these entities misrepresents my financial obligations and adversely affects my creditworthiness. 

III. Discrepancies in Reporting among XXXX XXXX XXXX It is worth noting that the other XXXX major credit reporting agencies have already deleted the account in question from my credit report, recognizing the inaccuracies and discrepancies reported by Trans Union. This further emphasizes Trans Union 's failure to comply with Section 611 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and delete inaccurate or unverifiable information. 


Inaccuracy of Reported Account : Despite being listed as a co-buyer on this account, my signature is missing on the relevant state documents, including the bill of sale and reassignment of certificates of ownership. As a co-buyer and partial owner, it is crucial for my signature to be present on these documents. The absence of my signature raises concerns about the accuracy and legitimacy of the reported ownership and financial responsibility. 


Violations of FCRA Sections : a ) Section 611 ( a ) ( 5 ) : This provision mandates that credit reporting agencies, such as Trans Union, conduct a reasonable investigation when a consumer disputes the accuracy of reported information. I have provided sufficient evidence to substantiate my claim of inaccuracy, and it is imperative that Trans Union initiates a thorough investigation into this matter. 
b ) Section 623 ( a ) ( 2 ) : According to this section, data furnishers, including XXXX XXXX XXXX XXXX XXXX, are obligated to provide accurate and complete information to credit reporting agencies. As a co-buyer, I assert that the reporting of this account without my valid signature on the necessary state documents constitutes a violation of this provision. 

I would also like to emphasize that the inaccurate reporting of this account has had a detrimental impact on my creditworthiness and financial standing. In light of the FCRA violations outlined above, I anticipate prompt resolution and deletion of the disputed account from my credit report. 

Enclosed with this letter are copies of relevant documentation supporting my dispute, including proof of my co-buyer status and any other relevant information. 

I expect written confirmation from Trans Union within 30 days of receiving this letter, acknowledging the initiation of an investigation and providing an update on the progress of resolving this dispute. Failure to comply with the FCRA and rectify this matter may result in further legal action, including filing complaints with the appropriate regulatory bodies and seeking legal remedies.