Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of XXXX  account number XXXX Investigation Process, Non-Compliance with FCRA, and Request for Deletion Dear TransUnion Consumer Solutions , I am writing to formally dispute the information reported on my credit file regarding the PFS account # XXXX Despite my previous dispute, this account remains on my TransUnion credit report, even though XXXX has already deleted the same account from my credit report after their investigation. 

Furthermore, I have noticed that TransUnion failed to mark this account as disputed on my credit report during the investigation process. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which requires that disputed information be noted as such on a consumers credit report. This oversight not only breaches federal law but also undermines the transparency and fairness of the credit reporting process, potentially causing further damage to my credit standing. This lets me know that NO investigation was ever conducted. 

I am also concerned about the manner in which your investigation was conducted. It is unclear how a thorough investigation could have been performed if XXXX, another major credit reporting agency, concluded that this account should be removed from my file. The inconsistency between your findings and those of XXXX raises serious questions about the accuracy and reliability of your investigative process. 

Given that XXXX has already deleted this account from my credit report, I am requesting that TransUnion do the same. The inconsistency between credit reports is causing unnecessary harm to my credit profile and does not reflect an accurate or fair credit reporting process. 

Please provide me with detailed information on how your investigation was conducted, including the methods and sources used to verify the accuracy of the information. Since this is a reinvestigation, you are required under the Fair Credit Reporting Act ( FCRA ) to complete your investigation within 15 days. I expect to receive a written statement of the results of your investigation, as well as a new copy of my credit report reflecting any changes. Im also attaching my previous dispute, credit report from before and after showing XXXX another credit agency deleted the same account after their investigation, XXXX response on CFPB, Transunion response on CFPB and a invoice for compensation. 

Thank you for your prompt attention to this matter. 

INVOICE FOR FCRA VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Description of FCRA Violations : XXXX. Failure to Mark Account as Disputed Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) - Failure to indicate that the account was disputed during the investigation. 
XXXX. Failure to Properly Investigate Violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to conduct a reasonable investigation to determine whether the disputed information is inaccurate. 
XXXX. Failure to Delete Inaccurate Information Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - Failure to promptly delete information found to be inaccurate or unverifiable during the dispute process. 

Total Damages Requested : The following represents a claim for damages due to violations of the Fair Credit Reporting Act : Failure to Mark Account as Disputed : {$1000.00} Failure to Properly Investigate : {$1000.00} Failure to Delete Inaccurate Information : {$1000.00} Total Amount Due : {$3000.00} Payment Information : Please remit payment to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX If you have any questions regarding this invoice, please contact me at XXXX or XXXX Sincerely, XXXX XXXX