Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Formal Complaint and Demand for Deletion of Accounts and Compensation for Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n To Whom It May Concern : I am writing to formally file this legal complaint against TransUnion LLC regarding your persistent failure to follow the Fair Credit Reporting Act ( FCRA ), specifically concerning the inaccurate reporting of XXXX XXXX  XXXX accounts on my credit report. Over the past several months, I have submitted XXXX formal disputes through the Consumer Financial Protection Bureau ( CFPB ) and directly with TransUnion, yet each time you have responded inadequately, claiming the accounts were " verified '' without providing any procedure or documentation of verification, as required under the FCRA. This failure to properly verify the disputed information or remove unverifiable information is a clear violation of the FCRA, and I now demand the immediate deletion of these accounts and compensation under 15 U.S.C. 1681n for willful noncompliance.

1. Failure to Provide Procedure for Verification : TransUnion has repeatedly failed to provide any procedure or documentation for verification of the disputed XXXX XXXX accounts, despite multiple requests. Under the Fair Credit Reporting Act ( FCRA ), if a credit bureau can not verify the accuracy of disputed information, it is required to delete that information from the consumers credit report. XXXX inability to provide a proper verification procedure is grounds for the immediate deletion of these accounts from my report. 
XXXX. Inaccurate Reporting of Balance and Payment History : TransUnion continues to report inaccurate balances and incorrect months in the payment history for these XXXX  XXXX accounts. These discrepancies in the balance and payment history further violate the FCRA 's accuracy requirements. Since this information can not be verified and is inaccurate, it should also be deleted immediately under the FCRA. 
XXXX. Request for Compensation : Due to TransUnions repeated failures to comply with the FCRA and the harm caused by this inaccurate reporting, I am requesting statutory damages under 15 U.S.C. 1681n. Please send the compensation to the address you have on file, or the address listed in this complaint.

Timeline of Disputes Filed with CFPB and TransUnion : 1. Initial Complaint Filed on XX/XX/year> : I formally disputed the inaccurate reporting of XXXX XXXX XXXX accounts on my credit report, with account balances of {$480.00} and {$510.00}, respectively, and statuses listed as " charged off as bad debt. '' In response, TransUnion marked the dispute as " resolved '' with a generic comment " dispute resolved by grantor, '' without providing any proof of verification or valid explanation. 
XXXX. Subsequent Complaints and Interim Responses : On XX/XX/year>, TransUnion responded to my complaint stating the issue was still under review and that they would follow up within 60 days. This interim response failed to provide any substantive update, and once again, TransUnion did not comply with its obligation to conduct a proper investigation as required by 15 U.S.C. 1681i ( a ) ( 1 ). 
XXXX. XXXX XXXX on XX/XX/year> : In response to my latest dispute, TransUnion again reported the accounts as " verified as reported '' without providing any procedure or documentation proving the accounts were verified. 
The generic response that my disputes were " verified '' without any proof violates XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( B ) ( iii ), which requires credit reporting agencies to notify the consumer of their right to add a statement of dispute if the reinvestigation does not resolve the issue. No such notification or explanation was provided. 
XXXX. Failure to Address Multiple Disputes : Over the course of XXXX separate disputes filed through the CFPB, TransUnion has repeatedly failed to follow the XXXX XXXX procedures and has not provided the required documentation that shows how or whether these XXXX  XXXX accounts were properly verified. If TransUnion can not verify the information, the FCRA requires that the disputed information be deleted from the credit report under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). The fact that XXXX and XXXX do not report these accounts further suggests that TransUnion is reporting inaccurate or unverifiable information. 
Accounts in Dispute : Account Name : XXXX  XXXX Account Number : XXXX Balance : {$480.00} Status : Charged off as bad debt Comments : Dispute resolved reported by XXXX Account Name : CAPITAL XXXX Account Number : XXXX Balance : {$510.00} Status : Charged off as bad debt Comments : Dispute resolved reported by XXXX Violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to XXXX a Reasonable Reinvestigation ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : TransUnion has not conducted a proper reinvestigation of the disputed information. Each response claiming the accounts were " verified '' without any documentation or proper verification procedures demonstrates a failure to comply with this section of the FCRA. 
XXXX. Failure to Provide XXXX and Proper Notice ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ) ) : When the reinvestigation failed to resolve the dispute, TransUnion did not provide any proof of verification nor did it notify me of my right to add a statement to my credit file disputing the accuracy of the reported information, as required by the FCRA. 
XXXX. Failure to Remove Unverifiable Information ( XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ) : If TransUnion can not verify the accuracy of the disputed information, it is required to remove the inaccurate entries from my credit report. Despite my multiple disputes and requests for proper verification, TransUnion has not provided any procedure or documentation proving these XXXX XXXX accounts were accurately verified, thus violating this section of the FCRA. 
XXXX. Willful Noncompliance with the FCRA ( XXXX XXXX. XXXX ) : TransUnions repeated failure to comply with its obligations under the FCRA, despite six formal disputes and several communications, constitutes willful noncompliance. This entitles me to damages under XXXX XXXX. XXXX, as your actions have caused harm to my creditworthiness and financial standing. 
Demand for Deletion and Compensation : Given the ongoing violations of the FCRA, I am demanding the following : XXXX. XXXX Deletion of the XXXX XXXX XXXX Accounts : TransUnion has failed to verify the accuracy of these XXXX accounts and has not provided any valid evidence to substantiate the " verified '' status. I demand the immediate removal of the XXXX XXXX XXXX accounts listed above from my credit report under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Compensation for Willful Noncompliance ( XXXX XXXX. XXXX ) : I seek damages for TransUnions willful noncompliance with the FCRA, including : Statutory damages of up to {$1000.00} per violation, due to TransUnion 's repeated violations. 
Actual damages for the harm caused to my XXXX XXXX, financial well-being, and the difficulties I have experienced in securing credit due to the inaccurate reporting. 
Punitive damages due to TransUnions willful disregard for FCRA compliance. 
XXXX fees and costs if legal proceedings are required to resolve this matter. 
XXXX. Written Confirmation of Deletion : I demand written confirmation from TransUnion within 15 days of receipt of this letter, indicating that the inaccurate XXXX  XXXX accounts have been deleted from my credit report and that TransUnion is in full compliance with the FCRA.