Consumer complaint received 2024-07-13
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. (TX)

Subject : Intent to Litigate Due to Inconsistent Reporting and Verification of Account Status by XXXX XXXX Across Credit Bureaus : I am writing to file a formal complaint against XXXX XXXX for their inconsistent handling and reporting of my account status across different credit bureaus, and against TransUnion for verifying inaccurate information provided by XXXX XXXX. This issue is in line with the behavior noted in CFPB complaints # XXXX, # XXXX, # XXXX, and # XXXX. 

Description of the Issue : XXXX XXXX has inconsistently reported the status of my account to different credit reporting agencies, notably informing TransUnion that my account status was 30 days late, while XXXX records show an updated status to " Current, Never Late '' after a investigation dated XX/XX/year>. This was detailed in a previous CFPB complaint against XXXX XXXX and XXXX ( CFPB Complaint # XXXX ), a copy of which I have included for your review. In CFPB Complaint XXXX against XXXX XXXX and XXXX, XXXX responded XXXX " Per your request to conduct a reinvestigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The data furnisher responded, and the account has been updated on your credit report to reflect as " Current, Never Late. '' The discrepancy clearly suggests improper data management by XXXX XXXX 

XXXX XXXX : Due to the significant damage caused by these reporting discrepancies to my credit score and overall financial reputation, I am exploring legal options to sue both XXXX XXXX and TransUnion. My intention is to use all evidence, including the inconsistencies and outcomes of previous complaints, to hold these entities accountable for their actions, which I believe constitute gross negligence and potential violations of the Fair Credit Reporting Act ( FCRA ). 

Resolution Sought : Immediate Correction of Records : I urge TransUnion and XXXX XXXX to perform a comprehensive reinvestigation of my account and correct any inaccuracies, ensuring that all bureaus reflect my account as " Current, Never Late. '' Explanation and Documentation : I request a detailed explanation and corresponding documentation from XXXX XXXX regarding their reporting criteria and practices across different credit bureaus, along with an explanation from TransUnion on their data verification processes. 
Preventive Measures : Both XXXX XXXXXXXX and TransUnion must implement stringent measures to ensure the accuracy and consistency of consumer data reporting across all credit bureaus, to prevent such discrepancies in the future. 
Conclusion : I am prepared to use the evidence of inconsistency in reporting and verification, detailed in my previous and current complaints, in my legal proceedings. These actions have significantly harmed my financial integrity and unfairly impacted my creditworthiness. I expect a prompt response and appropriate resolution to this issue as I proceed with my legal preparations. 
Thank you for your attention to this urgent matter. I look forward to your assistance and a swift resolution.