Consumer complaint received 2024-05-24
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. (MD)

Dear CFPB, I am writing to file a formal complaint against TransUnion for reporting inaccurate information on my credit report, ( XXXX XXXX XXXX collection account ) despite my multiple attempts to dispute the erroneous data and providing substantial proof of the inaccuracy. I believe TransUnion 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
TransUnion is reporting a collection account with an incorrect balance. I have disputed this information multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have provided proof of payment each time. 
Despite my efforts and the evidence submitted, TransUnion has failed to correct the inaccurate information. Their responses have been, they do not properly investigate my dispute, the account is for XXXX and a government program paid {$6600.00} of this balance before it went to collections, transunion continues to change the amount by {$1.00} everytime I dispute. This ongoing issue has significantly impacted my financial standing, including my credit score, my interest rate on my car loan, and not being able to buy a home. 
also i have requested debt validation from National credit systems and they haven't responded in over 45 days, so they are illegally reporting on my credit report. 
I believe TransUnion 's actions are in violation of the following FCRA provisions : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation of disputed information.

TransUnion has not conducted a reasonable reinvestigation of my disputes despite the clear evidence provided.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Failure to provide notification of the dispute to the furnisher of the information.

TransUnion did not notify the furnisher of the disputed information or did not do so in a timely manner.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report.

TransUnion has failed to maintain accurate information on my credit report, causing ongoing harm.

15 U.S.C. 1681s-2 ( b ) : Responsibilities of furnishers of information to consumer reporting agencies.

TransUnion has not ensured that the furnisher of the incorrect information is fulfilling their obligations to investigate and correct the errors.

I am requesting that the CFPB investigate TransUnion 's handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). I urge the CFPB to take appropriate action to ensure the incorrect information is removed from my credit report and to hold TransUnion accountable for their non-compliance. 
I have attached copies of all relevant documents, including my dispute letters, evidence submitted, and TransUnion 's responses, for your reference. 
Thank you for your attention to this matter. I am available to provide any additional information or clarification as needed.