Consumer complaint received 2023-10-03
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. (MI)

Complaint:
I filed CFPB complaint XXXX on or around XXXX XX/XX/XXXX regarding false/misleading/inaccurate information TransUnion reports for two ( 2 ) accounts/tradelines. TransUnion responded on or around XXXX XX/XX/XXXX alleging they could not respond to the CFPB complaint because the complaint is alleged to be filed by someone who is not listed on the account or loan or authorized to receive the consumers financial information. However, I am the consumer attached to both of the accounts for which I filed the complaint and am the sole individual listed on those accounts. If the data furnisher does not recognize me as their customer then, the accounts/tradelines need to be removed immediately. Convresely, if the data furnisher does not subscribe to TransUnion, is not a client/customer of TransUnion, then a ) the accounts/tradelines should NOT be in my TransUnion credit files, b ) the accounts/tradelines need to be deleted immediately. The original text of the complaint follows and the documnets are attached. [ I filed CFPB complaint XXXX on XXXX XX/XX/XXXX. I notified TransUnion that they were reporting false and or misleading and or inaccurate information and or unverifiable information for two ( 2 ) accounts with a credit union. I supplied documentation showing that I filed multiple billing errors with the credit union beginning XX/XX/XXXX because the credit union 's system stopped generating paper statements and electronic statements and that the credit union 's own systems indicated I had XXXX ( XXXX ) accounts with them. In complaint XXXX I included an e-mail response from the credit union XXXX XXXX XXXX in which the credit union acknowledged their system stopped billing. I provided screenshots that showed that by XX/XX/XXXX the XXXX XXXX 's system began to report ( again ) that I had XXXX ( XXXX ) accounts and that. I provided screenshots for XX/XX/XXXX showing the same thing. I provided an e-mail response from the XXXX XXXX that acknowledged ( again ) their system had stopped generating paper statements and electronic statements. That same e-mail acknowledged I would be unable to log into their system henceforth. I provided a copy of the documentation the XXXX XXXX provided that response as substitute for statements for the period of XX/XX/XXXX to XX/XX/XXXX. Despite having all of that documentation, TransUnion alleges an investigation was conducted and the information supplied by the credit union was " verified as reported. '' Information furnished to TransUnion by a data furnisher in which the data furnisher knows, or reasonably should know, is false and/or misleading and or/unverifiable is illegal under 15 U.S. Code 1681s2. The credit union was clearly aware of the issues with their own billing system -- they acknowledged it in two ( 2 ) e-mails and subsequently blocked my access to their system. The documentation I submitted with CFPB complaint XXXX would lead any reasonable individual to conclude the actions of the credit union are unfair, deceptive, and abusive per Mich. Comp . Laws 445.901 through 445.922 and 12 U.S. Code 5531. It is clear the information reported by TransUnion for these two ( 2 ) accounts should not be in my credit files. In fact, TransUnion is now the only CRA that is reporting information for these two ( 2 ) accounts. At this point TransUnion knows, or should know, the information furnished for the two ( 2 ) accounts is false/misleading/inaccurate and that the information it has persisted for these accounts has caused or is likely to cause me harm. TransUnion has had the opportunity to remove the derogatory, and quite frankly defamatory, information for these accounts from my credit file on at least four ( 4 ) occasions : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( CFPB Complaint XXXX ), XX/XX/XXXX ( CFPB complaint XXXX ), XX/XX/XXXX ( CFPB Complaint XXXX ). TransUnion has done nothing except " update '' the information and claim that updating false/misleading/inaccurate information constitutes " non-monetary relief ''. TransUnion is not conducting reasonable investigations as required in 15 U.S. Code 1681i and is engaging in poor behavior as brought to light in CFPB release " CFPB Releases Report Detailing Consumer Complaint Response Deficiencies of the Big Three Credit Bureaus '' in XXXX. The fact is TransUnion has neither fulfilled its obligations in response to consumer disputes under 15 U.S. Code 1681i, nor ensured the data it persists for these two ( 2 ) accounts meets the maximum accuracy requirements under 15 U.S. Code 1681e. The information reported by the data furnisher need not even be " false '' but may equally be " accurate '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ). It was not possible, and is still not possible, for me to reasonably avoid injury due to the credit union 's negligence and TransUnion 's negligence. I followed the process outlined in 15 U.S. Code 1666 to fix the billing errors with the credit union and the credit union STILL was unable to do such. I have disputed the information for the two ( 2 ) TransUnion has continued to furnish the false/misleading/inaccurate/unverifiable information to potential creditors. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief