Consumer complaint received 2024-08-05
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. (VA)

This is my third CFPB complaint on Transunion. On XXXX XX/XX/XXXX I disputed numerous accounts with Transunion via mail. Transunion failed to respond to that dispute within 30 days. 

On XXXX XX/XX/XXXX I submitted a complaint to the CFPB regarding Transunion 's failure to respond. The letter included 15 accounts to be disputed. Transunion responded to the CFPB complaint and closed the complaint after disputing all but 1 of the accounts contained within the letter dated XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX I submitted another CFPB complaint because Transunion failed to put the account into dispute. This dispute is because Transunion has had more that 60 days to dispute the below account and has failed to do so. Transunion has failed to provide investigation results and they have failed to escalate my call to a supervisor within the US who has the authority to resolve this issue. The original complaint pertaining to the account in question is below. 

XXXX Account XXXX  Account Number:XXXX  Please investigate the history reported on this account as the original creditor has confirmed that this account should not exist. It was opened during the period of identity theft & Ive confirmed that I have no unpaid balance reported & the account was paid in full prior to collection status. It is inaccurate as each credit bureau has furnished conflicting & inaccurate data. As this is unverifiable and violates my consumer rights under the FCRA due to each bureau furnishing different information. It is not possible for this account to have been verified because the original creditor has accepted and filed my fraud affidavit acknowledging removal. FCRA Sect. 611 REQUIRES you to delete this immediately due to any portion of the data furnished being inaccurate, requiring correction or deletion. As inaccurate data has been furnished, delete this account immediately. This account has been disputed yet ; TransUnion has refused to provide details of the verification. If verified, please provide the detailed process of your investigation to include where & whom the data was verified as TransUnion has failed to do so at my previous request which is an additional violation under ( FCRA ), 15 USC 1681i ( 7 ). 

I have contacted Transunion by phone on 7 different occasions since the complaint was closed in the beginning of XXXX. I have spoken to 4 different supervisors that confirmed to me that the account in question was in fact received however, an error was made at Transunion and the account was not placed in dispute status despite the other 14 accounts being disputed. Each of those supervisors confirmed that the account should have been disputed and a mistake was made on Transunion 's part. 

Transunion failed to dispute an account that I provided in writing & via the CFPB complaint on 6 XX/XX/XXXX, it is now XXXX XX/XX/XXXX and therefore, in accordance with the FCRA, failure to dispute an account or provide results of the dispute required by law, the account to be removed. 

Additionally, Transunion employees have confirmed that the account is to be deleted & set up a call back with a supervisor on 5 different instances. I have not received the call back. My most recent call just a moment ago with supervisor XXXX XXXX, she told me that she could see that I requested the call back but it has not been received. I am told within 1-3 business days. I have waited weeks for a call back.

At this point Transunion has violated my rights and numerous laws. I am a victim of a Data Breach & Identity Theft. My social security number as well as other personal information has been compromised. I've contacted the Federal Trade Commission and filed an FTC Report was included with each CFPB complaint. That number is : XXXX. Additionally, I have notified all third-party bureaus & informed each of my identity theft & placed a security freeze on all my data. I have disputed previously & was not provided this information within 15 days in accordance under ( FCRA ), 15 USC 1681i ( 7 ). Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 

TransUnion has failed to uphold my FCRA rights. Therefore, I am well within my right to pursue legal action with my counsel. Additionally, XXXX XXXX XXXX have already removed the account in question. TransUnion is the only agency not adhering to the law & my consumer rights under the FCRA. According to 15 USC 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates to. 

Please be aware the I will be seeking damages including but not limited to legal fees and statutory costs of up to {$1000.00} for each violation in accordance with the law, per 15 USC 1692 ( k ) : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681 ( o ) - Civil liability for negligent non-compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681 ( i ) ( 7 ) - Method of verification 9. Violations under 15 USC 1681 ( a ) ( 4 ) - Right to privacy 10. Violations under 15 U.S. Code 1681 ( c ) - Requirements relating to information contained in consumer reports The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate consumer disputes and respond within 30 days. This is specified in 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The statute states : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' TransUnion received my dispute via the Consumer Financial Protection Bureau ( CFPB ) but failed to investigate or respond appropriately!

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) - This section mandates that credit bureaus must investigate disputes within 30 days of receiving them.

15 U.S. Code 1681s-2 ( b ) - This section outlines the responsibilities of furnishers of information ( such as creditors ) to investigate disputes forwarded to them by credit reporting agencies. If TransUnion did not follow this protocol, you might have grounds for a complaint.

15 U.S. Code 1681n - This section provides for civil liability for willful noncompliance. If TransUnion 's failure to investigate was willful, you could seek statutory damages, punitive damages, and attorneys fees.

15 U.S. Code 1681o - This section covers civil liability for negligent noncompliance. If the failure to investigate was due to negligence, you could seek actual damages and attorneys fees.