Consumer complaint received 2024-10-25
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. (IL)

Consumer Financial Protection Bureau Complaint Submission Complainant : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Email : XXXX Phone Number : XXXX Companies Complained About : XXXX. Company Name : TransUnion Address : XXXX XXXX XXXX  XXXX, PA XXXX XXXX. Company Name : XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Complaint Date : XX/XX/XXXX Description of the Problem : I am filing a complaint against TransUnion and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their inability to properly verify disputed information on my credit report. Despite a thorough investigation by XXXX, which resulted in the deletion or modification of multiple accounts, TransUnion and XXXX have continued reporting these accounts without providing sufficient verification. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : Both TransUnion and XXXX are in violation of multiple sections of the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide the method of verification ( MOV ) when requested. I submitted an MOV request on XX/XX/XXXX, asking both bureaus to provide detailed information on how they verified the accounts listed above, but I received no valid response. 
15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. Despite XXXX decision to delete or modify these accounts after their investigation, TransUnion and XXXX have failed to take appropriate action, continuing to report inaccurate or unverifiable information. 

Failure to Conduct a Reasonable Investigation : Both TransUnion and XXXX appear to have relied on automated systems like e-OSCAR or third-party vendors for verification rather than conducting a manual, thorough reinvestigation, as required by the FCRA. These actions directly violate 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed accounts.

Opt-Out of Third-Party Vendors : I have opted out and frozen my data with third-party vendors, including XXXX, XXXX, XXXX, and XXXX. I explicitly informed both TransUnion and XXXX of this opt-out in my MOV request, meaning that these vendors are no longer authorized to report or share my information. Any verification process relying on these vendors is invalid and non-compliant with the FCRA. 

Right to Privacy and GLBA Violation : Under 15 U.S.C. 1681 Section 602 ( a ) of the FCRA, I have the right to privacy and protection against the disclosure of my personal information without my consent. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 ( b ) ( 1 ) ( B ) & ( b ) ( 1 ) ( C ), which prohibits sharing nonpublic personal information without providing an opt-out opportunity. Both TransUnion and XXXX are in violation of this as they continue to report my personal information without proper verification. 

How This Has Harmed Me : Due to the continued inaccurate reporting, my credit score has been negatively impacted, which has affected my ability to access credit and conduct personal financial matters. Despite XXXX resolution, the failure of TransUnion and XXXX to investigate properly has caused undue financial and emotional stress. 

Actions Requested : XXXX. Immediate removal of the inaccurate and unverifiable accounts listed above from my credit reports. 
XXXX. Provision of the Method of Verification ( MOV ) for each disputed account, including the name and contact information of the entities or individuals contacted during the investigation. 
XXXX. Manual review of my credit report, ensuring compliance with FCRA obligations. 
XXXX. Cease and desist order prohibiting the use of third-party vendors ( such as XXXX ) from reporting or verifying my data without authorization. 
XXXX. Written confirmation of the removal and corrections within 30 days, as required by law. 

Supporting Documents : I have attached the following supporting documents : Method of Verification ( MOV ) request sent to both TransUnion and XXXX on XX/XX/XXXX. 
Copies of my credit reports showing the continued inaccurate reporting. 
Previous dispute letters sent to TransUnion and XXXX. 
Opt-out notices sent to third-party vendors ( XXXX, XXXX, XXXX. ). 

Declaration : I declare that the information provided in this complaint is true and accurate to the best of my knowledge. I request that the CFPB take appropriate action to ensure that TransUnion and XXXX comply with the FCRA and correct these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX