Consumer complaint received 2024-03-12
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)

RE : XXXX, XXXX, XXXX. According to the FCRA, the 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 15 U.S. Code 1681. How can that be true if TransUnion has been ( and still is ) reporting multiple inaccuracies on my consumer report for months after completing their investigations of disputed accounts. The FCRA requires TransUnion to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. There are clear inaccuracies, errors, and incompleteness in the reported information as evidence of repeated failures to reinvestigate properly based on FCRA standards. The FCRA also requires TransUnion to send notification to consumers when negative information has been added to their credit reports, including the potential impact of such notification on the ability of consumers to identify errors on their credit reports ; and the potential impact of such notification on the ability of consumers to remove fraudulent information from their credit reports. As noted on my report, negative information has been inaccurately reporting monthly for some time with no such notifications. 
Below is a list of accounts that have specific inaccuracies that were never corrected when disputed but returned as " VERIFIED ''. Per the FCRA, If disputed information can not be accurately corrected it must be deleted : XXXX. XXXX XXXX XXXX : Account remarks show paid in full but there is no paid as agreed ( OK ) in month ( XXXX ) reflecting this in payment history, INACCURATELY shows CHARGE OFF in months between XX/XX/XXXX to XX/XX/XXXX ( if paid in full why is it showing charge off and not paid as agreed in history as payments where made ), high balance shows {$3300.00} and credit limit shows {$2700.00} ( months reflecting the actual credit limits not listed or INCOMPLETE ), INCOMPLETE data for XX/XX/XXXX, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX  XXXX : Account remarks show paid in full but has been INACCURATELY reporting CHARGE OFF consecutively in XXXX, XXXX, XXXX, XXXX and XXXX, payments made but not reporting paid as agreed in reflecting months. Reports XXXX ( DISPUTE RESOLVED REPORTED BY XXXX XXXX ) in XX/XX/XXXX and clearly this is was resolved and was not accurately reported, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX : Account remarks show paid in full but INCOMPLETE data from XX/XX/XXXX to XX/XX/XXXX, Account shows CHARGE OFF on XX/XX/XXXX without showing XXXX, XXXX, XXXX, XXXX, XXXX in prior months, Account INACCURATELY shows CHARGE OFF from XX/XX/XXXX to XX/XX/XXXX with no payment data, high balance shows {$1000.00} and credit limit shows {$700.00} ( months reflecting the actual credit limits not listed or INCOMPLETE ), how could this account have been investigated if remarks and data do not reflect properly, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX XXXX XXXX : Account remarks shows account was purchased by another lender in XXXX so if investigation was done then why is account still reporting by XXXX  XXXX XXXX XXXX this account is also INACCURATELY reporting a CHARGE OFF every month, Account terms has been INACCURATELY showing {$0.00} per month paid Monthly for 60 months after previously disputing, how can pay status show CHARGE OFF if account never reflects XXXX, XXXX, XXXX, XXXX, XXXX after previously disputing, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX XXXX XXXX Account has been INACCURATELY reporting payment data in XXXX, payments in XXXX not reflecting ACCURATELY, high balance shows {$1700.00} and credit limit shows {$1500.00} ( months reflecting the actual credit limits not listed or INCOMPLETE ), account shows opened XX/XX/XXXX but no payment history data until XX/XX/XXXX, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX XXXX  XXXX XXXX : Account shows high balance history of {$900.00} from XX/XX/XXXX to XX/XX/XXXX but Credit limit of {$600.00} from XX/XX/XXXX to XX/XX/XXXX ( how can both be correct ), account shows unknown data from XX/XX/XXXX to XX/XX/XXXX in multiple fields, CHARGE OFF INACCURATELY reporting every month from XX/XX/XXXX to XX/XX/XXXX, there is no balance, past due and amount paid data reporting from XX/XX/XXXX to XX/XX/XXXX, account also shows INACCURATELY showing XXXX XXXX dispute resolved ) for XX/XX/XXXX and XX/XX/XXXX when INCOMPLETE and INACCURATE data shows otherwise, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Account remarks show paid in full but INCOMPLETE reporting from XX/XX/XXXX to XX/XX/XXXX, payments made in XXXX, XXXX, XXXX but account reporting INACCURATELY, account INACCURATELY reports CHARGE OFF for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, date paid is INACCURATE, account INACCURATELY reports CHARGE OFF every month between dates of XX/XX/XXXX to XX/XX/XXXX, this account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 
XXXX. XXXX XXXX XXXX XXXX XXXX : This account is INACCURATE and was disputed multiple times with no explanation of how it was verified, if no historical transactions exist with furnisher then how does furnisher have authority to report, if an investigation was done ( which it was not ) this would have been corrected, *IF ACCOUNT CAN NOT REFLECT ACCURATE DATA PER 15 U.S. Code 1681 PLEASE DELETE. 

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. If an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers then how could TransUnion report fairly and accurately if there have been missing, incongruous, and incorrect areas of data on my consumer report for months even after investigations. If the disputed information is incomplete, incorrect, and inaccurate is did TransUnion assure maximum possible accuracy of the information concerning the individual ( me ) about whom the report relates if the inaccurate, incomplete, and incorrect information is still reporting on my consumer report. 

Any person who willfully fails to comply with any requirement specified under the FCRA concerning a consumer is accountable to that consumer for a sum comprising : A - The actual damages suffered by the consumer due to the failure, or damages ranging from not less than {$100.00} to not more than {$1000.00} ; or B - In the instance of a natural person being liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, the greater of actual damages sustained by the consumer or {$1000.00}. 
Punitive damages determined by the court ; and In the event of a successful legal action to enforce any liability under this law, the costs incurred during the action, along with reasonable attorney 's fees, as decided by the court