Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my formal complaint against Transunion who has violated the Federal Credit Reporting Act ( FCRA ), by ignoring my request to investigate inaccurate information on my credit report. Transunion also is engaging in deceptive practices by pretending they are reaching out to creditors to investigate and they are not. I understand that they may be short staff due to the pandemic, but I have submitted multiple requests to investigate the inaccuracy of the account in question, as well as given them more than 45 days to complete a reasonable investigation under these economic circumstances. 

On XX/XX/XXXX, I sent a certified letter to Transunion advising them that they were reporting inconsistent and wrong information on the XXXX XXXX account. The open date, the closed date, and the date of last activity was reporting different information from what the other 2 credit bureaus were reporting. Furthermore, the date of last payment was missing and not reporting at all and it should be. Instead of following their process for investigation, Transunion ignored my request and pretended as if they reached out to XXXX and communicated to me that XXXX verified the account. If you look at the evidence Ive submitted with this complaint, the last verified and date reported date never changed from XXXX, additionally nothing changed on this account, its still reporting incorrect. 

On XX/XX/XXXX, I sent a certified follow-up letter to Transunion requesting for immediate deletion due to them violating the FCRA by not investigating my dispute, again they simply ignored it and verified that the account was verified and accurate, this was well before the presidential announcement of a global pandemic and Transunion was fully staffed. 

On XX/XX/XXXX, is when I sent my final communication to Transunion giving them the opportunity to remove or start a reasonable investigation for this account. Transunion advised me again that XXXX verified the account and I would need to contact XXXX about any information thats reporting incorrectly. So, I did just that. 

On XX/XX/XXXX, I sent a certified communication to XXXX XXXX advising them that information was reported inaccurately, I was very specific with what I was asking them to dispute and verify for me. XXXX advised me that they could not verify any information on this account because they no longer have this account in their office. They also advised me that they have not been verifying any information to the credit bureaus because they no longer have the account. So how is Transunion verifying an account with XXXX who no longer has access to this account? 

Its clear that Transunion is intentionally reporting inaccurate information which is a violation of the FCRA Accuracy and Integrity Rule, which states that furnishers have a responsibility to furnish  information that's accurate and complete, and to investigate consumer disputes about the accuracy of the information you provide. Furthermore, the rule states its illegal to report information that Transunion know or believe is inaccurate or have " reasonable cause to believe '' that information is inaccurate if you have knowledge that would lead a reasonable person to doubt the accuracy of the information. Transunion has more than a reasonable cause to believe the account is inaccurate, they just choose not to investigate it. 

I provided screenshots of how they are reporting XXXX account and how XXXX is reporting the same account, which clearly shows that both Transunion and XXXX are reporting different information for the same account. Ive also sent Transunion a copy of the letter and certified receipt sent to XXXX, showing that I also reached out to the furnisher just as they told me to do. 

This has taken up too much of my time and it has taken over 7 months to no avail. The pandemic is already causing uncertainty and chaos to my life and I now have Transunion adding even more emotional distress. I have no other choice but to file a complaint with CFPB for deceitful practices and consumer violations. I have attached each communication sent to Transunion and XXXX as well as my notarized Statute of Declaration, stating the facts about this account that Transunion continues to ignore and will be used in the next stages in pursuing Transunion for violating my consumer right.