Consumer complaint received 2024-10-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a formal complaint against TransUnion for their failure to conduct a proper investigation of the items I disputed on my credit report and for not complying with my specific demands under the Fair Credit Reporting Act ( FCRA ). TransUnion responded to my dispute claiming that the accounts in question had been verified, but they failed to provide any documentation or details about how the verification was conducted. 

Details of the Complaint : Dispute Filed with TransUnion : On XX/XX/year>, I submitted a formal dispute ( Dispute ID : XXXX ) regarding multiple inaccuracies on my credit report, including late payments, charge-offs, and a collection account. I requested that TransUnion provide a comprehensive reinvestigation, including direct documentation of the verification process from the original creditors, as required by FCRA 609 ( a ) and 611 ( a ). I also specifically requested that no third-party aggregators, such as XXXX, be used during the reinvestigation. 

Inadequate Response from TransUnion : TransUnion responded to my dispute by stating that the accounts had been verified but did not provide any information on how the verification was conducted, as required under FCRA 611 ( a ) ( 6 ) ( B ). I explicitly asked for documentation showing how each account was verified, including : The name and contact information of the original sources. 
The method used to verify each item. 
A detailed explanation of how TransUnion determined the accuracy of the reported information. 
TransUnion did not provide any of this information and instead gave a generic response stating the accounts were verified, which is insufficient under FCRA standards. 

Continued Inaccuracies in My Credit Report : The accounts I disputed, which include late payments, charge-offs, and a collection account, remain inaccurately reported on my credit report. I am requesting that these items be deleted immediately since TransUnion has failed to properly verify them in compliance with the FCRA. 

List of Disputed Items ( Previously Submitted to TransUnion ) : Late Payments : Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Charge-Offs : Accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Collections : A collection account from XXXX XXXX related to XXXX XXXX. 
Violations of FCRA : TransUnion has violated t

he following provisions of the FCRA : 611 ( a ) ( 6 ) ( B ) : Failing to provide me with the specific method of verification for the disputed accounts. 611 ( a ) ( 1 ) ( A ) : Failing to conduct a reason
able investigation and verify the accuracy of the disputed information directly with the original creditors. 
Resolution Sought : I request that the CFPB take the following actions to ensure that TransUnion complies with the FCRA : Delete all inaccurate and unverifiable information from my credit report, including the disputed late payments, charge-offs, and collection accounts. 
Provide documentation of how each item was verified, including the original sources and methods used for verification. 
Ensure that TransUnion adheres to the FCRA 's standards for conducting a reasonable reinvestigation in all future disputes. 
Enclosed are copies of the dispute letters I sent to TransUnion, their inadequate response, and supporting documentation showing the inaccuracies that remain on my credit report. 

Thank you for your prompt attention to this matter. I trust the CFPB will take appropriate action to ensure TransUnion complies with the Fair Credit Reporting Act and protects my rights as a consumer.