Consumer complaint received 2024-09-03
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)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Discrepancies in Reporting of XXXX  Account by Credit Bureaus Dear CFPB Representative XXXX I am writing to file a formal complaint concerning the persistent discrepancies and incorrect information being reported on my XXXX account by XXXX, TransUnion, and XXXX XXXX Despite disputing these inaccuracies twice with both the credit bureaus and the CFPB, no corrective action has been taken. 
Account Information : XXXX XXXX Account # : XXXXXXXX XXXX  High Balance : {$10000.00} ( TransUnion ), {$8500.00} ( XXXX ) XXXX XXXXXXXX Owed : {$0.00} o Date of Last Activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX, XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ( TransUnion XXXX XXXX  Account Rating : Paid ( TransUnion, XXXX ), Derogatory ( XXXX XXXX XXXX XXXX Status : Account not disputed ( All ) XXXX Account Description : Furniture and Home/Office Furnishings Stores XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX Financing ( XXXX ) XXXX Account Status XXXX Closed o Payment Status : Collection/Chargeoff o Creditor Remarks : Payment after charge off/collection ( TransUnion ), Account legally paid in full for XXXX than the full balance ( XXXX ), Settlement accepted on this account ( XXXX ) o Credit Limit : {$8600.00} Legal Grounds : In accordance with FCRA regulations, I demand that only accurate, true, complete, and mandated information be reported. Any other details that do not meet these criteria should be annulled until adequately proven. It is my legal right to insist that any flawed information, whether directly or indirectly related to potentially injurious data, be corrected or removed immediately. I do not authorize the reporting of any misinformation now or ever, and I request that the credit bureaus review and ensure full compliance with the laws governing the reporting of consumer credit profiles. 
Specific Concerns : XXXX. Inaccurate Reporting of Personal Information : o I do not authorize the reporting of any other names, aliases, addresses, SSNs, dates of birth, telephone numbers, employers, or co-applicants. Any such information should be removed immediately unless legitimate authority to retain or report it is provided. 
XXXX. Discrepancies in Account Reporting : o The information being reported by the credit bureaus about my XXXX  account is inconsistent, with significant differences across TransUnion, XXXX, and XXXX. This inconsistency creates confusion and could negatively impact my creditworthiness. 
Prior Disputes : This account has been disputed twice with both the credit bureaus and the CFPB, yet the inaccuracies remain unchanged. This failure to correct the information is a direct violation of my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Requested Resolution : I request the CFPB to take immediate action to enforce compliance with FCRA requirements. Specifically, I demand : 1. The immediate correction or deletion of the inaccurate information related to my XXXX  account across all credit bureaus. 
XXXX. A thorough investigation into the reasons why previous disputes have not been adequately resolved. 
XXXX. Written confirmation from XXXX, TransUnion, and XXXX that the inaccuracies have been corrected or removed. 
Please find attached the relevant documentation, including my previous dispute letters, responses from the credit bureaus, and copies of my current credit reports showing the discrepancies. 
Thank you for your attention to this matter. I trust that the CFPB will ensure that my rights as a consumer are upheld and that this issue is resolved promptly. 
Sincerely, XXXX XXXX XXXX XXXX