Consumer complaint received 2024-11-20
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. (NJ)

Hello I recently disputed the XXXX XXXX XXXX XXXXXXXX account reported on my credit file. There were inaccuracies and misrepresentations creating problems impacting my credit score. Transunion responded to the dispute citing they want to make sure the credit report is accurate, that it is their commitment to me. However, the reporting is still inaccurate. 

This account has been repeatedly updated as C/O every month. This is an update to payment history which payment histories should nOt have repeat updates month over month once it's been charged off. This falsely manipulates the statute of limitations. Also, the balance of {$640.00} still appears present when, again, it was charged off. 
there is no balance if charged off. Further, I received no tax documentation from the federal for any 1099c - and this was allegedly charged off in XXXXXXXX XXXX XXXXXXXX - over a year ago. 

Transunion is responsible, per the FCRA, to ensure ACCURACY IN THEIR REPORTING. Transunion previously investigated the accuracy of this account and shared their findings along with updates on file no. XXXX dated XX/XX/XXXX. I attached that document. But their " investigation '' of my dispute didn't find the errors in their reporting! This is so negligent and so unfair. 

The account reporting on my consumer report remains inaccurate and is injuring to my reputation. It seems at this point they are in willful negligent noncompliance of the following even after aforementioned investigation. 

I demand this account be deleted from my consumer report immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I demand this account be deleted from my credit file and confirmed back as such in writing including my ACCURATELY updated credit Transunion report. To ensure Transunion can verify who I AM, and complete this demand pursuant to the FCRA congressional findings, I've gone ahead and included a copy of my drivers license, a utility bill, and W2 to validate identity and soc ssec #. 


Thanks.