Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally file a complaint against TRANSUNION for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverified information on my credit report. Despite my repeated disputes and requests for reinvestigation, Transunion has failed to correct or remove this inaccurate information as required by 15 U.S.C. 1681i ( a ). Their continued reporting of this incorrect data is causing significant harm to my creditworthiness and financial stability. Despite these clear legal requirements, I have observed that the CFPB has FAILED to hold these credit reporting agencies ACCOUNTABLE for ongoing violations of these provisions. In many instances, inaccurate and unverified information remains on consumer credit reports, causing significant harm to consumers credit scores, financial stability, and overall well-being. The CFPBs failure to ENFORCE these laws effectively allows credit reporting agencies to act with impunity, ignoring the rights of consumers under the FCRA. In XX/XX/XXXX I made a complaint via the cfpb about TRANSUNION not correcting an existing problem with reporting inaccurate and unverified information AFTER A DISPUTE TRANSUNION responded through the CFPB portal that every account I listed came back VERIFIED. I want to know how that could be when it shows on my TRANSUNION credit report that THE DATE opened for XXXX XXXX {$1000.00}, IS XX/XX/XXXX but reports XX/XX/XXXX as the OPEN DATE. The date of last payment shows XX/XX/XXXX for TransUnion but XX/XX/XXXX for XXXX. It is listed as a collection/charge off How can TRANSUNION report as a charge off and last payment on XX/XX/XXXX but my letter shows that the account was paid in full on XX/XX/XXXX XXXX XXXX- {$2200.00} Transunion shows an open date forXXXX and XXXX and XXXX shows XX/XX/XXXX. High credit on Transunion says {$4100.00} XXXX shows {$3200.00}. Date of last Active for Transunion is XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. The date of last payment for Transunion shows XX/XX/XXXX and XXXX shows XX/XX/XXXX WHO 'VERIFIED '' THESE ACCOUNTS? XXXX XXXX- $ XXXX Date opened for TransUnion is XX/XX/XXXX, XXXX and XXXX shows XX/XX/XXXX. Date last active shows tranunion-01/31/2020 XXXX and XXXX XX/XX/XXXX. Date of last payment is XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX. XXXX XXXX- $ XXXX opened for TransUnion is XX/XX/XXXX XXXX  and XXXX. The date of the last payment for Transunion shows XX/XX/XXXX and XXXX is XX/XX/XXXX. XXXX MAY BE RIGHT BECAUSE MY PAYMENT LETTER SHOWS that this account was fully paid on XX/XX/XXXX. HOW WERE THESE ACCOUNTS VERIFIED XXXX XXXX- {$1600.00} shows DATE FIRST OPENED IS XX/XX/XXXX but for XXXX and XXXX it shows XX/XX/XXXX it reports the last payment for TransUnion as XX/XX/XXXX and XXXX XX/XX/XXXX. I also have a letter from XXXX XXXX reporting a {$0.00} balance and nowhere in the letter did it say the account was charged off with a balance of {$1600.00} that shows the account was fully paid off on XX/XX/XXXX and not a collection status. XXXX XXXX XXXXXXXX XXXX XXXX shows date first opened for Transunion XX/XX/XXXX XXXX and XXXX shows XX/XX/XXXX. It shows date of last payment for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX. Furthermore, it shows {$1200.00} CHARGED OFF but my letter shows that the account was paid in full of a {$0.00} balance as of XX/XX/XXXX. HOW CAN AN ACCOUNT SHOW WRITTEN OFF, CHARGE OFF WITH A BALANCE but the letter says paid in full? 
XXXX XXXX XXXX- {$1400.00} Date open for TransUnion is XX/XX/XXXX but XXXX and XXXX show XX/XX/XXXX. Date of last active for TransUnion is XX/XX/XXXX XXXX- XX/XX/XXXX and XXXX XX/XX/XXXX Date of last payment for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX Did you verify these inaccuracies? XXXX XXXX XXXX- {$20000.00} show the Date opened fir Transunion XX/XX/XXXX and XXXX and XXXX is XX/XX/XXXX. High credit for TransUnion says {$23000.00} and XXXX {$20000.00}. The last reported date shows XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX. Date last payment shows XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Inconsistent across the board! 

XXXX XXXX  XXXX {$1600.00} WAS DELETED FROM XXXX BECAUSE IT WAS REPORTING INACCURATE AND IS NOT REPORTING FOR XXXX . PLEASE FOLLOW SUIT. THIS ACCOUNT IS INACCURATE AND DOES NOT BELONG TO ME. 
XXXX actions are in clear violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a proper reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failing to promptly correct or delete inaccurate or unverifiable information. 
1. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXh Cir. XXXX ) Summary : XXXX XXXX sued XXXX after it repeatedly failed to correct inaccurate information on his credit report, including incorrect personal identifying information and credit accounts that did not belong to him. Despite his disputes, XXXX continued to report inaccurate information. 
Outcome : The court ruled in favor of XXXX, holding that XXXX willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to reinvestigate and correct the disputed information. XXXX was awarded damages for XXXX 's noncompliance with FCRA obligations. 
2. XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX. XXXX XXXX ) Summary : Plaintiff XXXX XXXX filed a lawsuit against XXXX for reporting inaccurate information on her credit report. Despite her disputes and providing evidence that the information was incorrect, XXXX failed to correct the errors. 
Outcome : The court found that XXXX violated the FCRA by not properly investigating the dispute and failing to ensure the accuracy of the reported information. XXXX was awarded damages as a result. 
Violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act The CFPB was established under the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX ( Pub.L. 111203, H.R. 4173 ) with the express purpose of protecting consumers from unfair, deceptive, or abusive acts or practices in the financial marketplace. By not ensuring that credit reporting agencies comply with the FCRA, the CFPB is failing in its statutory duty under Dodd-Frank to protect consumers. 
The inaction on the part of the CFPB not only undermines the trust that consumers have in the financial system but also contributes to the perpetuation of systemic errors that have far-reaching consequences for individuals financial health.