Consumer complaint received 2024-01-14
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. (MI)

The complainant ( " the Consumer '' ) brings this complaint and seeks non-monetary relief from XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), TransUnion, LLC, ( TransUnion ), and XXXX XXXX XXXX ( XXXX ) under the FCRA ( 15 U.S.C. 1681, et. seq. ). The Consumer is a natural person and is a person and consumer as defined by the FCRA at 15 U.S.C. 1681a ( b ) and ( c ). At all times material hereto, the Consumer had at least one disability as defined under the ADA at 42 U.S.C. 12102. From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, the consumer sent XXXX, XXXX, and TransUnion detailed notices disputing the accuracy of his credit reports with respect to XXXX credit card debt. Specifically, the Consumer disputed the patently false date of first delinquency and inaccurate payment history. Upon receiving the Consumers initial CFPB complaints, each of the CRAs, XXXX, XXXX, and TransUnion, transferred the complaints to their respective consumer credit file dispute units1, and communicated the Consumers dispute notices to XXXX. Initially, neither XXXX, nor XXXX, nor TransUnion, nor XXXX conducted a reasonable timely investigation after receiving the consumers dispute notices, resulting in the continued reporting of false and misleading derogatory information on the consumers credit reports with respect to Discovers debt. After receiving dispute responses from XXXX, XXXX, and TransUnion that continued to contain false and inaccurate derogatory information with respect to XXXX debt, the Consumer again sent XXXX, XXXX, and TransUnion detailed notices disputing the accuracy of his credit reports. XXXX, XXXX, and TransUnion again communicated the XXXX 's dispute notices to XXXX. XXXX and XXXX and TransUnion continued thereafter to report false and inaccurate derogatory information on the consumers credit reports with respect to Discovers debt, alleging XXXX verified the accuracy of the information reported. Responding on XXXX XX/XX/XXXX to a CFPB XXXX XXXX asked the Consumer to understand that XXXX is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the credit reporting agencies have their own policy for reporting the information that is displayed. The Consumer continues to be a XXXX and thus remains exceptionally vulnerable to the conduct of XXXX, XXXX, TransUnion, and XXXX. As a result of the conduct of XXXX, XXXX, TransUnion, and XXXX  as alleged above from XXXX XX/XX/XXXX to XX/XX/XXXX, the Consumer has suffered severe ongoing emotional harm including and not limited to frustration, stress, XXXX, worry, damage to reputation, and economic losses including and not limited to damage to his credit, lower credit scores, and lost opportunities to receive credit. He has also failed to obtain stable housing on account of the false and/or inaccurate information furnished by XXXX and persisted in his credit files by the three major CRAs. ( the full complaint and documentation is attached )