Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this formal complaint regarding TransUnions failure to comply with my dispute letter, submitted on XX/XX/year>. This dispute requested comprehensive validation and verification of multiple items listed on my credit report. TransUnion has failed to respond within the 30-day legally mandated period, as required by the Fair Credit Reporting Act ( FCRA ). 

Summary of Disputed Items : Late Payments : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested verification of late payments for these accounts, including detailed payment histories directly from the original creditors. TransUnion has not responded or provided any documentation. 
Unauthorized Hard Inquiries : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These hard inquiries were made without my authorization. I requested removal unless verifiable proof of my consent was provided, but TransUnion has not taken any action or provided documentation. 
Account Inaccuracies : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts were reported as charge-offs with incorrect balances. I requested direct verification from the original creditors, including complete account histories and original contracts, but no response has been provided. 
Collection Accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested the removal of these collection accounts unless verifiable proof of authorization and original creditor validation could be provided. TransUnion has not corrected or removed these accounts. 
Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 ( a ) ) : TransUnion has not conducted a reasonable reinvestigation of the disputed items within the 30-day period, nor have they provided verification directly from the original creditors. This constitutes a violation of FCRA Section 611 ( a ).

Failure to Provide Comprehensive Documentation ( FCRA Section 609 ( a ) ) : I explicitly requested documentation such as original signed contracts, payment histories, and proof of identity used to open the accounts. TransUnion has not provided this documentation, violating FCRA Section 609 ( a ).

Improper Use of Automated Systems and Third-Party Data : My dispute specifically requested that TransUnion exclude third-party data sources and automated systems like XXXX from the reinvestigation process. Their failure to comply with this request violates the FCRAs requirement for direct verification from the original creditors.

Impact : TransUnions failure to respond to my disputes and correct the inaccuracies has caused : Emotional distress : The unresolved inaccuracies have caused significant stress and anxiety, impacting my financial well-being. 
Financial harm : The continued reporting of incorrect information has resulted in credit denials, higher interest rates, and financial loss. 
Long-term financial damage : The unresolved inaccuracies continue to damage my credit profile, affecting my ability to obtain favorable financial products. 
Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate late payments, charge-offs, and unauthorized hard inquiries from my credit report. 
Provide detailed documentation showing how each disputed item was verified with the original creditors. 
Ensure all future responses and correspondence are sent via certified mail with return receipt requested, as I explicitly stated that electronic responses would not be accepted.