Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Compensation is sought in this complaint. Consumer reporting agencies are required to follow reasonable procedures to ensure credit reports are as accurate as possible under 15 USC 1681e ( b ). Consumer reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information contained in a credit report, 15 USC 1681i ( 1 ) ( A ). According to the attached credit report, there are several inaccuracies, including information from Trans Union LLC that contradicts information from XXXX and XXXX. Under section 1681, inaccurate information means that it is factually inaccurate, as determined by the court in XXXX XXXX Trans Union LLC. As a result of my job requiring a security clearance, I have been injured. For my credit report to be accurate, it must contain accurate information. Trans Union LLC is not granted the discretion to overlook legitimate disputes at its discretion under any part of the law. Here, Trans Union lied to the CFPB about investigating as shown by the attached credit report. Consumer reporting agencies, such as Trans Union LLC, are legally obligated to follow reasonable procedures to ensure credit report accuracy. This includes conducting a reasonable investigation if a consumer disputes the accuracy or completeness of any information. Failing to fulfill these obligations can result in legal consequences, as inaccurate information can have significant consequences for individuals, such as the loss of job opportunities or unjust denial of credit. See XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( holding that liability for Willfully failing to comply with the FCRA extends not only to act known to violate the FCRA, but also to the reckless disregard of a statutory duty. See Exhibit No. 1 ( Trans Union credit Report ) also see Exhibit No.2 ( Transunion Failure to investigate and within 30 days ) XXXX XXXX Account # XXXX XXXX. Violation - Date Open is incorrect.

2. Violation - Date of last payment is incorrect.

3. Violation Account shows 30 days late for the Month of XX/XX/XXXX, See Exhibit No 3. ( XXXX XXXX XXXX payment made ). 
XXXX show 30 days late in XXXX. See Bank Statement, this account was not paid 30 days late. All 3 credit bureaus information for this account is conflicting because none of them are doing a proper investigation. This is the 4th time this account has been disputed without the information being corrected. 15USC1681 hold Transunion liable for willful noncompliance of not less than {$100.00} and not more than {$1000.00}. See XXXX XXXX XXXX, XXXX ( Holding that the FCRA made the dissemination of materially false information in consumer reports an injury in fact ) XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX These accounts were all procured by Identity Theft, and Fraud in the inducement. XXXX XXXX took my personal information and assigned for these accounts in my name. XXXX claimed they obtained a Power Attorney to sign on my behalf. This is false, I have never given them any such authority. Transunion has ignored the FTC Identity Theft affidavit. Transunion does not have the legal authority to omit any allegation of Identity Theft. Nor do Transunion have the authority to play lawyer for XXXX XXXX. The law direct Transunion to block the accounts alleged to be procured by Identity Theft. See Exhibit No. 4 ( contract illegally signed by an unknown attorney. I did not give XXXX a Power of Attorney to have no Attorney sign anything for me. Also see Exhibit No. 5 FTC Identity Theft Affidavit. The Law requires Transunion to block this account within 4 business days of receiving the FTC Affidavit. Violation 5 and 6. Transunion continues claims of relying on the creditor word in a reinvestigation after the creditor is accused of being involved is not the correct approach to attacking the legal validity of consumer debt. See XXXX v. Trans Union LLC, 523F.3d 61,68 ( 1st Cir.2008 ) 15 USC 1681c-2 directs the credit bureaus to block the information alleged to be identity theft, period. A predatory lender has no problem taking someone to court and suing for a legitimate debt owed to them. This matter is no difference, American law allows a company to sue if someone use the law in bad faith, the law does not permit a credit reporting agency to play Judge and jury and disregard the law. The account is identity theft, and Transunion has violated their mandate by assisting the violators causing additional harm to me. I have no problem going to Federal Court showing my evidence, that it's in fact Identity Theft! 

XXXX Account # XXXX XXXX. Violation Date Open Incorrect correct date is XX/XX/XXXX XXXX. Violation payment of XX/XX/XXXX not reflecting in payment history 9. Violation account showing 30 days late in XXXX discrepancies is conflicting with other credit reporting agencies payment was made approximately 2 weeks before it was due. See exhibit No. 6 ( XXXXr payment history, also see exhibit No. 7 ( Bank statement of payment to XXXX 
Under XXXX XXXX XXXX ( XXXX XXXX XXXX ), XXXX was required and paid to me a refund of {$9200.00}. There have been no adjustments to my credit report of the payment made by XXXX. XXXX violated federal law for years, so the account can not have been reporting correctly if XXXX was required by law to pay me {$9200.00} (. See exhibit No. 8 ( XXXX refund check ) issued to me the same month Transunion alleges I was in default. The indisputable evidence shows I was not late, and the account does not meet the FCRA because I had been overpaying the account for years. See XXXX XXXX XXXX XXXX ( holding credit reporting practices must utilize accurate, relevant, and current information in a confidential manner. Also see XXXX XXXX XXXX XXXX XXXX ( Holding any inaccurate information in a consumer report supports a FCRA claim ) Transunion, XXXX, and XXXX all show conflicting information on this account, this is indisputable evidence the information is being reported duplicitous. Its impossible for me to have been late in XXXX because I paid {$510.00} in in XXXX after the billing cycle therefore XXXX payment was satisfied, I wouldnt have been late for XXXX until XXXX XXXX XXXX payment was paid on the due date of XX/XX/XXXX XXXX XXXX XXXX Account # XXXX. Violation Transunion have evidence in their system this loan originated on XX/XX/XXXX they have in their system that the loan contract was for 60 months. But post a 30 day late payment for XXXX XXXX 12 Violation Date of last payment, Transunion is reporting the last payment was made XX/XX/XXXX. 
Although the additional funds were precured by Identity Theft I made the {$1500.00} additional payment anyway. Trans Union and XXXX was assisting XXXX XXXX XXXX in their actions and both credit bureaus were using my credit report as a tool to ensure I paid the funds. 10 USC 987 allows suit for a minimum of {$500.00} per illegal transaction. My contract with XXXX XXXX XXXX was for 60 months the Identity theft and Transunion and XXXX involvement force me to pay XXXX payments and an additional {$1500.00} in which I paid on XX/XX/XXXX Transunion is recording me as paying on XXXX, XXXX XXXX because they were trying to cause a late payment for XXXX since the original contract had payment due every XXXX of the month, and if they changed the payment date that would have had me late for XXXX which originally they had a late payment for XXXX but they changed it. Transunion holds no jurisdiction to determine whether XXXX XXXX XXXX violated the Military Lending Act. The law 10 USC 987 make the account illegal ; Trans Union is required to follow the law. Transunion went above the legal rim by adding the additional fund to my credit report despite having a copy of the contract and knowing the account was in dispute. XXXX XXXX XXXX Transunion, and XXXX was all working together. XXXX XXXX XXXX posted several small payments to my account trying to force me to make a late payment, but I was able to catch them doing it and paid the small payments, this shows on my bank statement see exhibit No. XXXX this is long past what Transunion had in their system. I reported to Transunion that XXXX XXXX XXXX used my personal information and illegally changed the amount of the original contract for financial gain. There is no other contract that changes the terms from XXXX to {$8700.00} the original contract was written at the maximum allowed by Federal law of 36 % 10 USC 987. I spoke with Transunion on the phone and explained this the over {$2500.00} I paid XXXX XXXX XXXX was precured by Identity Theft. Transunion assisted XXXX XXXX XXXX ; they then went a deleted another XXXX XXXX XXXX account # XXXX explaining the deletion was due to the account being refinanced. This is indisputable proof Transunion is acting in bad faith beyond their mandated of reporting accurate records of a persons credit. Transunion is acting in bad faith because they deleted the account with all positive history to give the illusion that they deleted the account that was procured by Identity theft, they did this because they assisted XXXX XXXX XXXX to collect the illegal funds, they even changed the amount to give the illusion the theft was legitimate. Transunion is unmindful, that refinancing any consumer loan to a covered borrower by the same lender is highly prohibited and illegal under the Military Lending Act. Transunion assisted XXXX XXXX XXXX, but apparently unmindful that blatant violation of The Military Lending Act could be faced with criminal charges, the CFPB is the guardian and enforcer of the MLA. See XXXX XXXX XXXX XXXX XXXX ( Holding whether the violation under the FCRA was conducted willful in violation of Law ) See Exhibit No 9 ( XXXX XXXX XXXX  Contract ) XXXX Account number XXXX. 
XXXXViolation, Last report, last active, and last payment all show XX/XX/XXXX Transunion reported to the CFPB they did an investigation, and there is a TransUnion response on the CFPB website. This date is indisputable evidence that Transunion has not conducted an investigation in XXXX. Instead, Transunion lied to the CFPB. This- is not by coincidence. This account was reported as Identity Theft. I received an email on XX/XX/XXXX from XXXX stating they would not handle my Identity Theft issue and a bank named XXXX XXXX XXXX XXXX made the loan to me. The number ( XXXX ) XXXX was used to contact this bank on XX/XX/XXXX at XXXX. Using my SSN, I asked the manager to check twice, and she replied that they had no record of me having received a loan. After waiting an hour, I called back, and this time I got a bank representative, who told me that XXXX was one of their brokers, but that no loan had been issued to me by their bank. Transunion wouldn't have had to lie to the CFPB if they conducted a reasonable investigation as required by law. They ignored the Identity Theft Affidavit and did not investigate. The Identity Theft Affidavit is a crucial document in the investigation process as it serves as a formal declaration from the victim stating that their identity has been stolen. It helps to establish a clear record of the incident and provides important information for law enforcement and other entities involved in resolving the case. By disregarding the Identity Theft Affidavit and failing to conduct a thorough investigation, Transunion not only violated legal requirements but also undermined the victim 's efforts to rectify the situation and seek justice. 

XXXX Account # XXXX XXXX Violation account shows 30 days late all three credit bureaus have conflicting information. XXXX directed me to contact the credit bureaus who were reporting the incorrect information ; therefore, I closed the account. 
14 Violation XX/XX/XXXX, I filed a dispute Transunion did not investigate the dispute. 
15. Violation On XX/XX/XXXX, I filed another Dispute Transunion did not conduct an investigation Violation 16- Trans Union alleges I open a dispute On XX/XX/XXXX, and they closed it on XX/XX/XXXX, I never filed a dispute on XX/XX/XXXX but they realized I was monitoring their actions and made this entry in their computer. 
Despite having 30 days to investigate a consumer 's credit report, credit bureaus unjustly destroy a consumer 's reputation when they fail to do so. Credit bureaus play a crucial role in safeguarding consumer credit information by collecting and maintaining credit data from various sources. Their responsibility is to accurately report this information to lenders and other authorized parties. However, when credit bureaus neglect to thoroughly investigate and verify the accuracy of a consumer 's credit report within the allotted time, it can result in serious damage to the individual 's reputation and financial well-being. 
16. Violation Section 623 ( a ) ( 6 ) ( FCRA ) Transunion and the creditors were informed by me of the alleged ID theft, Transunion ignored the FTC Affidavit 17. Violation Section 607 ( b ) Transunion is required by law to follow reasonable procedures to assure maximum possible accuracy of the information. When Transunion fails to even conduct a preliminary investigation the law and my rights have been violated Violation Section 611 ( c ) of FCRA provides, whenever a statement of dispute is filed the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide that it is disputed by the consumer and provide either the consumer statement or a clear and accurate codification or summery thereof. 
18. violation XXXX account has no statement of dispute 19 violation account XXXX XXXX XXXX has no statement of dispute or Identity Theft 20.violation account XXXX has no statement of dispute or identity theft 21. violation account XXXX XXXX have no statement of dispute Violation FCRA section 605B ( 15 USC 1681c-2 22. violation A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days. Transunion failed to follow this law because they know the truth but fell dedicated to protect the unlawful acts by using their position to hold someone credit report as collateral to ensure the unlawful payments are made.

22 -26. violation 5 X accounts reported by FTC Affidavit as ID Theft Transunion ignored the report. The allege creditor also ignored the report. See XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Holding concrete harm may be shown by FCRA violation that causes the consumer to suffer Harm which Congress sought to prevent when it enacted the FCRA ) BLUF : If Transunion believes the creditor, they're protecting is right in signing fraudulent loans in my name through an unknown attorney, and the law does not see this as Identity Theft, Or Transunion contribution to the theft of money by XXXX XXXX XXXX. It would be appropriate for Transunion to serve as a witness for these creditors in court. The FCRA requires Transunion to comply, and if they refuse, a jury can decide what should be done. A remedy to a factual dispute has already been made available to both parties by Congress.