Consumer complaint received 2025-04-01 00:00:00
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.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards regarding the reporting of the following accounts on my credit report : XXXX. XXXX XXXX XXXX Account Ending in XXXXXXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Violations Committed by TransUnion : 1. Failure to Provide Notice of Reinserted Information ( FCRA 611 ( a ) ( 5 ) ( B ) ) The XXXX XXXX XXXX account was deleted in XX/XX/2024 following a prior dispute. However, TransUnion reinserted the account without sending me the required notice within five business days, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
The law requires that if a previously deleted item is reinserted, TransUnion must send written notice informing me of the reinsertion, along with details of the source of the information. I never received such a notice.

2. Failure to Provide 623 Notice Before Reporting Negative Information Under FCRA 623 ( a ) ( 7 ), data furnishers must notify consumers before reporting negative information to the credit bureaus.

This notice must be a separate written document mailed with tracking and a green return receipt proving it was sent and received before the negative information was reported. 
Neither XXXX XXXX XXXX nor XXXX XXXX XXXX  provided me with this legally required notice. 
The inclusion of this notice in the original account agreement is not sufficient under the law ; it must be sent separately. 

3. Conducting Sham Investigations in Violation of FCRA 611 ( a ) TransUnion has a documented history of conducting sham reinvestigations, as evidenced by previous lawsuits filed by the CFPB. 
In my case, after disputing the accuracy of these accounts, TransUnion failed to conduct a meaningful investigation as required by 15 U.S.C. 1681i ( a ). Instead, they merely recertified the accounts as accurate without validating the information with sufficient proof. 
The XXXX XXXX XXXX account includes a dispute remark stating Completed investigation of FCRA dispute consumer disagreed, which is misleading and fails to indicate that the account remains under dispute. 

4. Metro 2 Compliance Violations The reporting of these accounts violates Metro 2 guidelines, which require accurate and complete reporting. 
The XXXX XXXX XXXX account was charged off with a past due balance of {$32000.00}, yet TransUnion continues to report a balance, which is inconsistent with proper charge-off reporting under Metro 2 standards. 
XXXX XXXX XXXX XXXX account shows a credit limit of {$300.00} but a balance of {$560.00}, which suggests improper reporting of fees or interest accumulation beyond the allowable limits. 

5. Inability to Verify the Account Closure Date for XXXX XXXX XXXX The date closed for the XXXX XXXX XXXX account is missing or inaccurately reported, preventing me from verifying the validity of the accounts reporting. 
FCRA 609 ( a ) ( 1 ) requires credit reporting agencies to provide all information in the file regarding a consumer when requested. However, TransUnion has failed to provide the date closed, making it impossible to confirm the completeness and accuracy of the accounts reporting.

This omission not only violates the FCRAs accuracy requirements ( 1681e ( b ) ) but also Metro 2 guidelines, which mandate complete and consistent data reporting.

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