Consumer complaint received 2024-06-28
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. (GA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion LLC regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, as well as breaches of my rights under XXXX ( XXXX XXXX Portability and Accountability Act ). 

Background and Complaint Details : I have previously raised formal disputes with TransUnion regarding inaccuracies in my credit report. Despite these efforts, TransUnion has continued to report false and damaging information, which has caused significant financial hardship and affected my ability to secure favorable credit terms. 

Specific Violations : XXXX. Inaccurate Reporting of Accounts : - TransUnion has inaccurately reported the following accounts : - XXXX XXXX XXXX Account Number : XXXX ) : Incorrect reporting of credit limit and balance. 
- XXXX XXXX  Account Number : XXXX ) : Incorrect reporting of account status and late payments. 
- XXXX ( Account Number : XXXX ) : Incorrect reporting of closed status. 
- XXXX ( Account Number : XXXX ) : Incorrect charge-off reporting and lack of payment history. 
- XXXX XXXX XXXX ( Account XXXX : XXXX ) : Inaccurate payment status reporting. 
- XXXX XXXX XXXX ( Account XXXX : XXXX ) : Incorrect reporting of repossession/foreclosure status. 
- XXXX XXXX ( Account Numbers : XXXX, XXXX ) and XXXX XXXX ( Account Number : XXXX ) : Lack of verification and no payment history available. 

2. Hard Inquiries : - XXXX  has failed to provide complete and accurate details for hard inquiries, which is a violation of FCRA 623 ( a ) ( 3 ).

3. Collections Accounts : - TransUnion has inaccurately reported collections accounts, violating FDCPA 807 ( 8 ). 

4. XXXX Violations : - TransUnion has reported medical account information without proper authorization or compliance with XXXX regulations, which safeguard the privacy and security of medical information. 

Request for Action : In light of these violations and the ongoing financial harm caused, I request the following actions from the Consumer Financial Protection Bureau : 1. Conduct a thorough investigation into TransUnion 's practices and handling of my credit report. 
2. Direct XXXX to immediately correct all inaccuracies and remove false information from my credit report. 
3. Impose appropriate penalties and fines on TransUnion for each violation of FCRA and XXXX regulations. 
4. Require TransUnion to compensate me with {$1000.00} for each account in violation, and an additional {$1000.00} per day for each continued instance of reporting false and damaging information. 
5. Provide a written response outlining the findings of the investigation and actions taken. 


Thank you for your prompt attention to this matter. I look forward to your investigation and the resolution of these serious violations. 

Sincerely, XXXX XXXX