Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Today I called TransUnion with a simple question. I and any other consumers know that the Fair Credit Reporting Act is a set of Federal Laws that regulate the information that's provided to and then reported by all three of the Credit Reporting Agencies ; Procedure in case of disputed accuracy [ 15 USC cc1681 i ] ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer and 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 a 30-day period beginning on the date on which the agency receives the notice of the disputed from the consumer or reseller. 

With this specific understanding I called TransUnion and ultimately spoke with a Supervisor in their Special Handling Department, XXXX, at XXXX XXXX PST today, XX/XX/2018. The simple question being this ; How do you ( TU ) define the word Accurate? Explaining for XXXX that there are different words used in different Dictionaries to include ; XXXX XXXX XXXX XXXX, accurate ( kyr-t ) adj. 

1. Conforming exactly to fact ; errorless. 
2. Deviating only slightly or within acceptable limits from a standard. 
3. Capable of providing a correct reading or measurement : an accurate scale. 
4. Acting or performing with care and precision ; meticulous : an accurate proofreader. 

XXXX XXXX, Definition of accurate 1 : free from error especially as the result of care an accurate diagnosis 2 : conforming exactly to truth or to a standard : exact providing accurate color 3 : able to give an accurate result an accurate gauge Unfortunately, although there are different words to describe and define the word Accurate that can be found and/or used TransUnion doesn't seem to have ANY definition of the word to provide to the American Consumer when requested? 

Not only that but XXXX then repeatedly refused to provide me with any information whatsoever on where I might address this simple question to within TransUnion? Instead, he completely disregarded my question after his repeated refusals and simply kept asking me, " Is there anything else I can help you with ''? 

So, what option does an average consumer have when writing a " dispute '' to TransUnion when TU can't even tell what this one,  essential word actually means? 

" if the completeness or accuracy of any item of information contained in the consumers file at a consumer reporting agency is disputed by the consumer, '' If TransUnion can not even define this word, or is unwilling to share their " definition '' of the word Accuracy with the consumer of what actual, practical, enforcement value does the FCRA then have?

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 explanation