Consumer complaint received 2024-07-06 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: FL

Complaint narrative:
I am writing in response to TransUnions recent communication ( XXXX XXXX ) regarding my dispute on XXXX XXXX concerning inaccurate and unlawful reporting by XXXX XXXX XXXX XXXX on my credit file. I am deeply disappointed by TransUnion 's failure and stall tactics to address the substantive issues raised in my initial dispute! Your response demonstrates a clear disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws along with the lack of supporting evidence to support your response of VERIFIED, which clearly shows no such evidence of a thorough investigation took place to proved accuracy on my consumer report exists, which is clear grounds for permanent deletion!

Continuous Reporting of Charged-Off Accounts and Late Payments, Under 15 U.S. Code 1681s2 ( a ), furnishers of information are mandated to provide accurate information to consumer reporting agencies ( CRAs ). The continuous reporting of charged-off accounts with fluctuating amounts each month violates this provision. Charged-off accounts are by definition non-active credit accounts and should not accrue late payments post charge-off ( 15 U.S. Code 1681a ) .

Duty to Provide Notice of Delinquency, Pursuant to 15 U.S. Code 1681s2 ( a ) ( 7 ), creditors must notify CRAs of delinquent accounts. Repeated monthly reporting of the same delinquency misrepresents the account 's status, violating the FCRA 's requirement for accurate reporting.

Accuracy and Verification Failures, Section 1681e ( b ) mandates CRAs to maintain maximum possible accuracy of consumer information. The discrepancies across the three major CRAs and failure to conduct a reasonable reinvestigation ( 15 U.S. Code 1681i ( a ) ) despite my requests demonstrate clear violations of these provisions.

Reporting of Personal Information Without Consent, Reporting personal information without consent violates 15 U.S. Code 1681b, which stipulates permissible purposes for consumer report furnishing. This practice infringes upon my privacy rights.

IRS guidelines categorize charged-off accounts as canceled debts, not active debts. Reporting these accounts as active debts post charge-off contradicts IRS guidelines and further compounds inaccuracies ( Form 1099-C ). 

The XXXX data breach compromised the security of my personal information, raising concerns about data accuracy across all CRAs. This breach underscores the need for meticulous handling of consumer data, which TransUnion has failed to uphold. 

Demand for Immediate Deletion, In light of these numerous and significant FCRA violations, I demand the immediate deletion of all inaccurate and unlawfully reported information related to the XXXX XXXX XXXX XXXX accounts from my consumer report. These inaccuracies have caused undue distress, impaired my creditworthiness, and impeded my financial prospects. 

I expect TransUnion to rectify these issues promptly and provide me with a written confirmation of the deleted accounts and the procedures followed, as per FCRA requirements! 

I intend to pursue further legal action if these matters are not promptly and satisfactorily addressed! I look forward to your immediate attention to this matter and a swift resolution within the statutory timeframe provided by the FCRA!

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