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/XXXX, regarding incorrect personal information on my credit report. Despite the legal obligations under the Fair Credit Reporting Act ( FCRA ), TransUnion has not responded or corrected the inaccuracies within the 30-day period mandated by law. 

Summary of Disputed Items : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are inaccurate and I have never lived at or used these addresses. I requested immediate removal of these inaccuracies as they violate FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

Concerns Related to Data Breaches : Due to the various data breaches affecting millions of consumers, including the XXXX XXXX  of XXXX and the XXXX XXXX  of XXXX, I expressed concerns about the accuracy and security of my personal information. I requested a thorough reinvestigation and specific documentation related to my case.

Reinvestigation Procedure : I explicitly requested that TransUnion not rely on third-party data sources or automated systems like XXXXXXXX  to verify the disputed information. Instead, I demanded direct verification with the original furnishers of the information and detailed documentation of the investigation process. 
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 information within the legally required 30-day period, nor have they provided the requested documentation. This violates FCRA Section 611 ( a ).

Failure to Provide Accurate Information ( FCRA Section 607 ( b ) ) : TransUnion continues to report inaccurate addresses on my credit report, failing to ensure the maximum possible accuracy of the information, as required by FCRA Section 607 ( b ).

Failure to Use Proper Verification Procedures ( FCRA Section 611 ( a ) ( 2 ) ) : My dispute specifically requested that no third-party data sources or automated systems like e-OSCAR be used to verify the information. TransUnion 's failure to provide proof of direct verification from the original furnishers violates FCRA Section 611 ( a ) ( 2 ).

Neglect of Legal Obligations : TransUnions failure to comply with my request for detailed reinvestigation procedures and their continued reporting of inaccurate information reflects a failure to meet their legal obligations under the FCRA.

Impact : TransUnions failure to address the inaccuracies on my credit report has caused : Emotional distress : The presence of incorrect personal information has caused significant anxiety and stress. 
Financial harm : The inaccuracies have affected my ability to secure housing, credit, and insurance, and they have resulted in higher interest rates and denied credit applications. 
Long-term damage : The unresolved issues continue to impact my financial stability, compounding the harm caused to my familys well-being. 
Requested Resolution : I request that the CFPB require TransUnion to : Delete all inaccurate addresses and personal information from my credit report. 
Provide detailed documentation showing how each disputed item was verified with the original furnishers. 
Ensure that all future correspondence is sent via certified mail with return receipt requested, as I explicitly requested that electronic responses would not be accepted.