Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear CFPB, I am filing a formal complaint against TransUnion LLC due to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related privacy laws. Despite numerous attempts to correct these issues, TransUnion has failed to address the inaccuracies on my credit report and continues to infringe upon my rights. 

**The following issues are documented : ** XXXX. **Inaccurate Reporting of Accounts : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Status : Closed with a charge-off balance of {$150.00}. The balance and account status are inaccurately reported. 

- XXXX Account XXXX : XXXX XXXX : Reported as past due with a balance of {$13000.00}. The payment history and account status are inaccurately reported. 

- XXXX Account XXXX : XXXX XXXX : Reported as closed with a charge-off balance of {$0.00}. The account was settled for less than the full balance, yet inaccuracies remain. 

XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$820.00} Status : Outstanding, with no payment history available. The account was originally with XXXX BANK. The reporting does not reflect accurate information. 

XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$670.00} Status : Outstanding, with no payment history available. The account was originally with XXXX XXXXXXXX XXXX. The reporting does not reflect accurate information. 

XXXX. **Incorrect Personal Information : *XXXX XXXX XXXX XXXX XXXX  The credit report lists incorrect variations of my name : - XXXXXXXX XXXX XXXX XXXXXXXX : ** The credit report includes outdated or incorrect addresses : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX, AL XXXX XXXX ( Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX - **Employment Information : ** The credit report incorrectly lists my employment details. My current and accurate employer information has not been reflected properly. 

XXXX. XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Type : Banking inquiry - XXXX Date : XX/XX/XXXX Type : Banking inquiry - XXXX Date : XXXX XXXX, XXXX Type : Banking inquiry - XXXX Date XXXX XX/XX/XXXX Type : Banking inquiry These inquiries XXXX not be accurately reflected or XXXX be improperly affecting my credit report. 

XXXX. **Removal of Positive Reporting Information : ** - Positive credit information previously reported has been removed, impacting my credit history and score. 

XXXX. **Privacy Violations : ** - Unauthorized inclusion of personal information such as addresses and employment details, violating 15 U.S. Code 1681b and 15 U.S. Code 1681c.

6. **Failure to Correct Errors Promptly : ** - Despite providing evidence and submitting formal disputes, TransUnion has not corrected inaccuracies in a timely manner, violating 15 U.S. Code 1681i.

7. **Repeated Requests for Address Verification : ** - TransUnion continues to request address verification despite my compliance with all requests and responses to certified mail.

**Relevant U.S . Codes Violated : ** - 15 U.S. Code 1681b : Permissible purposes of consumer reports- 15 U.S. Code 1681c : Information excluded from consumer reports- 15 U.S. Code 1681i : Procedure in case of disputed accuracy - 15 U.S. Code 1681g : Disclosures to consumers - 15 U.S. Code 1666b : Creditor 's duty to respond to disputes - 18 U.S. Code 1028A : Aggravated identity theft - 15 U.S. Code 6802 : Protection of nonpublic personal information - 15 U.S. Code 1692g : Validation of debts - 18 U.S. Code 1692 : Fair Debt Collection Practices Act - 18 U.S. Code 894 : Extortionate credit transactions- 15 U.S. Code 1601 : Truth in Lending - 604 15 U.S. Code 1681b : Permissible purposes of consumer reports- 15 U.S. Code 1666b : Creditors ' duties in disputes - 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) : Timeframe for investigation and correction **Requested Actions : ** 1. Immediate investigation and correction of all inaccuracies on my credit report, including incorrect names, addresses, employment information, and account details.

2. Assurance that TransUnion will cease unauthorized disclosures and handle information verification properly.

3. Compensation for damages incurred due to these violations. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX