Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed several inaccurate accounts with TransUnion, including a mortgage with XXXXXXXX XXXX, a credit card with XXXX and a derogatory account from XXXXXXXX XXXX XXXXXXXX XXXX which were inaccurately reported as late, open with a {$0.00} balance, or charged off. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy in consumer reports. Despite providing evidence that these accounts were reported incorrectly, TransUnion failed to delete them.

I sent multiple dispute letters requesting the method of verification for each disputed account under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that TransUnion conduct a reasonable reinvestigation of disputed items. I also requested that TransUnion provide the business name and contact information of the entities that furnished the disputed information, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ). TransUnion did not fulfill these obligations and continued to report the inaccurate information without providing sufficient verification.

I provided further documentation and reiterated my demand for deletion of the unverifiable information. Despite clear inconsistencies between the three credit bureaus regarding the same accounts, TransUnion relied on superficial checks, violating 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate and correct errors upon receiving a dispute. TransUnions failure to conduct a reasonable investigation violates the standard set in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), which requires credit bureaus to take greater steps when a consumer provides evidence of inaccuracies. 

For example : XXXX. XXXX XXXX XXXX  : Reported as 30 days late, with inconsistent last reported dates across bureaus. The account was not corrected or removed, violating FCRA 1681i ( a ) ( 5 ), which mandates deletion of unverifiable information. 
XXXX. XXXX Credit Card : Reported with a {$0.00} balance but incorrectly listed as open with differing activity dates across bureaus. This is a violation of 15 U.S.C. 1681e ( b ), as the account status is clearly inaccurate and unverifiable. 
XXXX. XXXX XXXX XXXX : Listed as a derogatory charge-off with unresolved dispute comments. Under FCRA 1681s-2 ( b ), TransUnion failed to resolve the dispute properly, allowing the inaccurate charge-off to remain on my report.

I made a final demand for deletion, referencing 15 U.S.C. 1681i ( a ) ( 1 ), which states that inaccurate or unverifiable information must be deleted within 30 days. TransUnion continued to report the disputed accounts, causing harm to my credit score and violating their obligations under the FCRA.

I seek CFPB intervention to enforce compliance with the law, require TransUnion to remove the inaccurate accounts from my credit report, and provide the appropriate documentation verifying the accuracy of these accounts. TransUnions ongoing reporting of these errors constitutes a willful violation under 15 U.S.C. 1681n, entitling me to damages, and I request that the CFPB ensure the deletion of these accounts.