Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Complaint Details : File Number : TransUnion Dispute Investigation XXXX Date Issued : XX/XX/XXXX Document Reference : TransUnion_XXXX XXXXXXXX Description of Complaint : I am filing this complaint against TransUnion and XXXX XXXX XXXX XXXX due to inaccurate reporting of my credit information and the subsequent failure to correct these inaccuracies upon dispute. Here are the detailed issues : Inaccurate Reporting by XXXX XXXX XXXX XXXX : Account Details : Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : Unsecured Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} High Balance : {$560.00} Original Charge-off : {$0.00} Pay Status : Paid, Closed ; was 30 days past due date Terms : {$0.00} per month, paid Bi-weekly for 2 months Date Closed : XX/XX/XXXX Maximum Delinquency : 30 days in XX/XX/XXXX Remarks : Closed Estimated Removal Date : XX/XX/XXXX Payment History : XXXX for XX/XX/XXXX and XX/XX/XXXX Specific Inaccuracy : The account is inaccurately marked as " 30 days past due date '' in the Pay Status, whereas the Payment History indicates " XXXX '' ( on time ) for both XX/XX/XXXX and XX/XX/XXXX, showing no late payments. This clear discrepancy remains unresolved. 
Failure to Correct Inaccuracies by TransUnion : Despite disputing the inaccuracy, TransUnion concluded the investigation with " No changes needed, '' thereby failing to correct the clear discrepancy between the Pay Status and Payment History. 
The investigation results did not address the reported inaccuracy and maintained the erroneous Pay Status. 
Violations of Federal and State Laws : Violations by TransUnion : FCRA 1681e ( b ) : TransUnion failed to follow reasonable procedures to assure maximum possible accuracy of the information reported.

FCRA 1681i : TransUnion did not correct or delete inaccurate information after my dispute. 
Violations by XXXX XXXX XXXX XXXX. : FCRA 1681s-2 ( a ) ( 1 ) : XXXX XXXX provided information that they knew or should have known was inaccurate. 
Violations of Texas State Law : Texas Business and Commerce Code 20.06 : Ensures the accuracy and completeness of credit report information. 
Texas Business and Commerce Code 20.07 : Requires correcting or deleting inaccurate information upon dispute. 
Desired Resolution : Immediate Deletion : Due to the persistent inaccuracies and failure to correct the information after dispute, I demand the immediate deletion of the XXXX XXXX account from my TransUnion credit report. 
Reinvestigation : Conduct a thorough reinvestigation of the disputed information by TransUnion and XXXX XXXX, ensuring compliance with FCRA and Texas state laws. 
Confirmation : Provide written confirmation of the deletion and any other corrections made to my credit report. 
Legal Action : If the inaccuracies are not corrected and the account is not deleted immediately, I will pursue legal action against both XXXX XXXX XXXX XXXX and TransUnion for their non-compliance and the damages caused by their inaccurate reporting. 
Supporting Documents : TransUnion_XXXX XXXXXXXX : Document showing the investigation results and the inaccurate reporting details. 
Thank you for your attention to this matter. I trust the CFPB will take the necessary actions to ensure compliance with credit reporting laws and protect consumers from inaccurate reporting.