Consumer complaint received 2024-08-28
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. (NJ)

Formal Request for Correction of Credit Report Inaccuracies Case Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally request your assistance in rectifying ongoing inaccuracies on my credit report, as provided by TransUnion. Despite my repeated efforts to resolve these discrepancies directly with the credit reporting agencies, the inaccuracies persist, adversely affecting my creditworthiness.

Specific Request and Legal Justification Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a comprehensive explanation of the procedures employed to verify the accuracy of disputed information. I have raised concerns regarding the reporting of my XXXX XXXX account ending in XXXX. XXXX, in its investigation under claim number XXXX, confirmed that this account is accurately reported as " Paid as Agreed '' with no recorded late payments. However, TransUnion has failed to update this information, despite my repeated disputes through both the CFPB portal and postal mail. Their communication via the CFPB portal was insufficient, indicating that my request was processed and that investigation results were mailed to me, which I have yet to receive. This raises significant concerns regarding the thoroughness and legitimacy of their investigation. 

Request for Documentation and Compliance I respectfully demand the following : 1. Comprehensive Verification Process : A detailed account of the verification process, including all documentation, communications, and procedures involved. This must encompass the method of investigation, contact information for all parties engaged, and substantiating evidence for the reported late payments.

2. Proof of Permissible Purpose : Written documentation confirming that explicit authorization was granted for the reporting of the disputed items, as stipulated by 15 U.S.C. 1681b. In the absence of such authorization, the inclusion of these items on my credit file is unlawful. 

Should the requested documentation and verification not be provided within 15 days, I will be compelled to take immediate action to : - Remove the erroneous information from the credit report. 
- Amend the credit report to accurately reflect the account as paid and free of late payments. 
- Remove any unauthorized entries that lack the requisite written authorization.

Legal Consequences for Non-Compliance Should the credit reporting agencies fail to meet these legal obligations, I will seek all available legal remedies, including potential monetary damages resulting from inaccurate reporting and non-compliance with the FCRA. 

Request for CFPB Intervention I respectfully urge the CFPB to act swiftly in ensuring that TransUnion upholds its legal responsibilities under the FCRA. Accountability for maintaining the accuracy and integrity of reported information is imperative. Your assistance is essential in addressing these issues and restoring the accuracy of my credit report. 

Attached are my credit reports for XXXX and XX/XX/year>, clearly highlighting the disputed inaccuracies. 

Thank you for your prompt attention to this matter. I look forward to your response and the necessary corrective measures from the credit reporting agency TransUnion.