Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by Trans Union. 

On XX/XX/2022, I sent correspondence to Trans Union regarding a dispute of certain accounts on my credit file. On XX/XX/2022, I received a response from Trans Union, but they failed to remove the disputed information or provide the Method of Verification as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). 

On XX/XX/2022, I sent additional correspondence to Trans Union regarding a dispute of certain accounts, along with a request for the XXXX of XXXX. On XX/XX/2022, I received a response from Trans Union, but they again failed to remove the disputed information or provide the XXXX of XXXX. 

On XX/XX/2022, I sent another request for the XXXX of XXXX to Trans Union. On XX/XX/2022, I received a response from Trans Union, but they again failed to remove the disputed information or provide the XXXX of XXXX. 

On XX/XX/2022, I sent another request for the XXXX of XXXX to Trans Union. On XX/XX/2022, I received a response from Trans Union, but they again failed to remove the disputed information or provide the XXXX of XXXX. 

On XX/XX/2022, I received another response from Trans Union, and again on XX/XX/2022, but they again failed to remove the disputed information or provide the XXXX XXXX XXXX in every instance. 

These failures to remove the disputed information and provide the required proof in response to my request for XXXX of XXXX demonstrate a pattern of non-compliance with the FCRA. I have suffered damages as a result of these FCRA violations, including the time and resources spent on attempting to obtain accurate information about my credit history, and the potential negative impact on my XXXX XXXX and financial opportunities. These failures to remove inaccurate information and provide the required proof in response to my request for XXXX of XXXX demonstrate a pattern of non-compliance with the FCRA.

FCRA Violations ( not all-inclusive ) : Trans Union violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable reinvestigation of the disputed accounts within 30 days of receiving the consumer 's dispute.

Trans Union violated 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) by failing to delete or correct inaccurate or unverifiable information in the consumer 's credit file within 30 days of receiving the consumer 's dispute.

Trans Union violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to ensure the maximum possible accuracy of the information in the consumer 's credit file.

Trans Union violated 15 U.S.C. 1681e ( d ) by failing to maintain strict procedures designed to prevent the reappearance of the disputed information in the consumer 's credit file.

Trans Union violated 15 U.S.C. 1681g ( a ) ( 1 ) by failing to provide the consumer with all of the information in the consumer 's credit file upon request.

Trans Union violated 15 U.S.C. 1681j ( a ) by failing to provide the consumer with the sources of the information in the consumer 's credit file upon request.

Trans Union violated 15 U.S.C. 1681k ( a ) by failing to provide the consumer with the name, address, and telephone number of the person or organization who provided the information in the consumer 's credit file upon request.

I request that the CFPB investigate these FCRA violations by Trans Union and take appropriate action to rectify the damages I have suffered as a result of these violations. I also request that Trans Union be held accountable for its actions and any future violations of the FCRA. I have retained copies of all information provided herein and can present any copies upon request.