Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am submitting a detailed complaint against TransUnion LLC for repeated violations of the Fair Credit Reporting Act ( FCRA ), causing extensive harm to my creditworthiness, financial opportunities, and personal well-being. These violations have persisted for over a decade, despite my numerous formal disputes, identity theft reports, and documented submissions to correct the records. 
Detailed Issues and Violations Reporting Inaccurate Information on My Credit File Despite more than 100 documented disputes regarding erroneous entries in my credit fileentries that directly harm my credit standingTransUnion has willfully and repeatedly failed to remove or accurately investigate this disputed information. The inaccurate entries are largely the result of ongoing identity theft cases that I have reported directly to TransUnion and to the FTC. These reports include multiple FTC Identity Theft Affidavits, which TransUnion has failed to acknowledge or address in a meaningful way.

FCRA Violation : TransUnion has violated 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to assure maximum possible accuracy of information concerning a consumer. 
Previous Case Reference : This issue aligns with similar consumer cases such as XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ), where similar negligence in reporting and refusal to correct errors led to substantial compensatory awards to consumers. 
Failure to Conduct Reasonable Reinvestigations TransUnion is required by 15 U.S.C. 1681i of the FCRA to reinvestigate disputed information in consumer reports. Despite repeated requests for reinvestigationincluding identity theft documentation and multiple disputes regarding incorrect account detailsTransUnion has consistently failed to perform adequate reinvestigations, allowing incorrect data to remain in my report.

Previous Case Reference : In TransUnion LLC XXXX XXXX ( XXXX ), consumers were awarded significant punitive damages because of TransUnions refusal to perform necessary reinvestigations, which violated FCRA standards and consumer rights. 
Failure to Provide Complete Consumer File Information My ability to access a complete and accurate consumer report from TransUnion has been severely restricted. Numerous requests for my complete file have not been fully or accurately fulfilled, making it impossible for me to verify all items in my report or understand the full scope of the inaccuracies. This violates my rights to complete consumer disclosure under the FCRA, as specified in 15 U.S.C. 1681g.

FCRA Violation : 15 U.S.C. 1681g requires consumer reporting agencies to clearly and accurately disclose all information in a consumers file upon request. 
Previous Case Reference : The court in XXXX, XXXX XXXX XXXX ( XXXX ) addressed the importance of complete and accurate disclosures by consumer reporting agencies, awarding damages when the agency failed to fulfill this obligation. 
Denial of Credit and Financial Opportunities Due to TransUnions continuous reporting of incorrect information, I have been systematically denied credit and financial opportunities. This ongoing harm includes rejections for credit cards, loans, and other financial servicesopportunities that I would otherwise qualify for if TransUnion upheld its legal obligations for accuracy and correction. 

Consequential Damage : These denials have severely impacted my financial stability, prevented me from obtaining essential online services, and caused emotional distress. Similar harm was addressed in XXXX XXXX XXXX XXXX ( XXXX ), where consumers were awarded damages for economic loss and reputational harm. 
Obstruction of Access to Essential Online Services Due to incorrect data on my report, I have faced significant barriers accessing essential online services. TransUnions negligence in updating my information to reflect accurate, timely data directly restricts my ability to complete necessary online transactions and maintain daily activities requiring verification of my credit or identity. These denials continue to interfere with my livelihood and infringe on my rights to equitable treatment under FCRA