Consumer complaint received 2024-09-14
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. (TX)

This is a demand for immediate action regarding multiple clear violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) concerning my consumer report maintained by TransUnion LLC. Despite prior notifications and the provision of comprehensive, verified documentation, inaccuracies and fraudulent information persist on my credit file. This letter serves as a formal demand for compliance with federal law. Failure to rectify these violations within fifteen ( 15 ) days will result in legal action initiated in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. Unlawful Inclusion of Information in Violation of 15 U.S.C. 1681a Under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) : " The term 'consumer report ' does not include ... any report containing information solely as to transactions or experiences between the consumer and the person making the report ... '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appears on my consumer report despite the absence of any direct transactions or experiences between us. The inclusion of their information is a direct violation of the statutory definition of a consumer report. By reporting this information, TransUnion has failed to comply with federal law mandating the exclusion of such data. 



2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) and Improper Reporting Practices On XX/XX/XXXX, I submitted a complaint to the Office of the Comptroller of the Currency ( OCC ). On XX/XX/XXXX, the OCC filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), providing a notarized letter, utility bill, and Social Security card for verification purposes on my behalf as my witness. 

Despite these actions : XXXX XXXX XXXX reported a " last activity '' date of XX/XX/XXXX. 
XXXXXXXX XXXX reported a " last activity '' date of XX/XX/XXXX. 
These dates occur after my disputes were initiated, indicating that TransUnion failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). Moreover, the reporting of new " last activity '' dates after receiving disputes suggests an attempt to re-age accounts, which is prohibited under the FCRA and constitutes a deceptive practice. 

3. Inclusion of Fraudulent Addresses in Violation of 15 U.S.C. 1681e ( b ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have reported accounts using addresses I have previously identified and disputed as fraudulent. It is impossible for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to have obtained my current address aXXXX XXXX XXXX XXXX XXXX, XXXX, Texas, as TransUnion has failed to update it despite receiving verified documentation. 

TransUnion is required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. By allowing the inclusion of fraudulent addresses and failing to update my current address, TransUnion has violated this statutory obligation. 

4. Reporting of Accounts Without Payment History Indicates Lack of Proper Verification The accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX are being reported without any payment history. The absence of payment history raises serious concerns about the accuracy and completeness of my consumer report. It indicates that these accounts were not properly verified, as required under 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

5. Failure to Remove and Update Information Despite Verified Documentation TransUnion has failed to remove fraudulent addresses and has not updated my current address to XXXX XXXX XXXX XXXX, XXXX, Texas, despite receiving a notarized letter, utility bill, and Social Security card on XX/XX/XXXX. Furthermore, XXXX XXXX XXXX continues to appear on my credit file as of today 's date, despite assurances from TransUnion that it would be removed. 

This ongoing failure violates 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to delete or modify inaccurate or unverifiable information within 30 days of receiving notice of the dispute. 

XXXX. Failure to Block Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ( a ) ) Under 15 U.S.C. 1681c-2 ( a ) : " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ... '' Despite receiving proper identification and documentation, TransUnion has not blocked the reporting of fraudulent addresses, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX NJ, XXXX and accounts : XXXX. XXXX XXXX XXXX Account Number XXXX Last Activity XX/XX/XXXX Times XX/XX/XXXX Days Late XXXX XXXX. XXXXXXXX XXXX Account Number XXXX Last Activity XX/XX/XXXX Current Payment Status As Agreed XXXX XXXX XXXX XXXX Last Activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX Last Activity XX/XX/XXXX resulting from identity theft. This inaction is a direct violation of your statutory duty to block such information within four business days of receiving appropriate proof.

7. Non-Compliance with Adverse Action Notice Requirements ( 15 U.S.C. 1681m ( a ) ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have failed to provide adverse action notices as required under 15 U.S.C. 1681m ( a ). Due to incorrect address handling by TransUnion, I did not receive any such notices. If these entities claim to have sent adverse action notices, I demand disclosure of the addresses used, which will correspond to the fraudulent addresses previously disputed. 
8. Systemic Failure in TransUnion 's Procedures Violating 15 U.S.C. 1681e ( b ) TransUnion 's system allowed the inclusion of fraudulent information and accounts associated with incorrect or disputed addresses. This indicates a systemic failure to follow reasonable procedures to assure maximum possible accuracy, as mandated by 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate information undermines the integrity of my consumer report and violates federal law.

9. Willful Misrepresentation and Manipulation of " Last Activity '' Dates Altering " last activity '' dates to reflect recent activity when none exists constitutes willful misrepresentation and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information with actual knowledge of errors. By accepting and reporting these manipulated dates, TransUnion is complicit in this violation. 

Legal Violations and Liability TransUnion 's actions constitute clear and willful non-compliance with multiple provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c-2 ( a ) : Failure to block information resulting from identity theft. 
15 U.S.C. 1681m ( a ) : Failure to provide required adverse action notices.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information with knowledge of errors.

Under 15 U.S.C. 1681n and 1681o, TransUnion is liable for willful and negligent non-compliance, entitling me to actual damages, statutory damages, punitive damages, attorney 's fees, and costs.