Consumer complaint received 2024-09-02
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. (VA)

I am sharing my experience to shed light on the critical importance of accurate credit reporting and the significant consequences when errors go uncorrected. 
I am formally disputing several errors on my credit report related to an account purportedly held with the Army and Air Force Exchange Service ( AAFES ). These errors, which include discrepancies in the reported creditors name, missing payment information, and inconsistencies in reporting dates, raise serious concerns about the accuracy and completeness of the information reported. These issues have adversely affected my credit score and overall financial standing. 
Key Issues : 1. Discrepancy in Creditor Name : The creditors name is inaccurately listed as ARMY & AIRFORCE EXCHANGE SERVI, which does not match the correct legal name, Army and Air Force Exchange Service. This misrepresentation is particularly concerning as it suggests that the entity listed on my credit report may be nonexistent or improperly identified, violating 15 US Code 1681s-2 ( a ) ( 1 ) ( A ). Accurate identification is crucial under both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
2. Missing Balance and Monthly Payment Information : The credit report reflects a balance of {$0.00} as of XX/XX/year>, but does not provide detailed information about the payments leading to this balance, including the final payment date and amounts paid. This omission could constitute a billing error under 15 US Code 1666 ( b ) and must be corrected to ensure compliance with federal law. 
3. Incomplete Terms Duration : The Terms Duration is listed as NA, which is incomplete and complicates the understanding of the accounts terms. This omission violates 15 US Code 1681s-2 ( a ), and I request that the information be accurately reported. 
4. Potential Inaccuracies in High-Balance Reporting : The high balance is reported as {$3600.00}, close to the credit limit of {$3700.00}. However, there is no explanation of whether this balance exceeded the limit or if any penalties were applied, which is essential for accurate reporting and compliance with 15 US Code 1681e ( b ). 
5. Inconsistent Reporting Dates : The account is reported as Paid/Closed as of XX/XX/year>, but lacks information on the last payment made. The consistency of the reported dates should be reviewed, and any discrepancies corrected in accordance with 15 US Code 1681s-2 ( a ). 
Ongoing Issues with CRAs Investigation : Despite initiating the dispute more than 30 days ago, the Consumer Reporting Agencies ( CRAs ) have not provided a resolution or taken corrective action. Under 15 US Code 1681i ( a ), CRAs are required to conduct a timely and thorough reinvestigation of disputed information. The delay in resolving these issues is unacceptable and may constitute a violation of the FCRA. 
Requested Resolution : I am requesting an immediate and thorough investigation into this account under both the FCRA and the FCBA. If the legal creditor can not verify the accuracy of the reported information, I demand that all incorrect entries be permanently removed from my credit report. It is imperative that the CRAs act promptly to correct any inaccuracies or unverifiable information. 
I also request that my dispute be properly noted on all relevant accounts and reports, as required by federal law. Failure to address these issues may result in further legal action to protect my rights under the FCRA, FCBA, and the Fair Debt Collection Practices Act ( FDCPA ). 
Authorization and Certification : I authorize and direct ( 1 ) the consumer reporting agency identified in my complaint to share determinations of and actions taken by the company for the purpose of responding to my complaint, and ( 2 ) the CFPB to share this information with certain government agencies. The information provided is true to the best of my knowledge and belief. I understand that the CFPB can not act as my lawyer, a court of law, or a financial advisor. 
Distribution List : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Defense Finance and Accounting Service ( DFAS ) State of Indiana Attorney Generals Office Attorney General of Virginia Office Army and Air Force Exchange Service ( AAFES ) This summary is intended to assist the CFPB and other consumers in understanding how the Army and Air Force Exchange Service is addressing the concerns raised in my complaints. It also promotes accountability and transparency in credit reporting practices.