Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom this letter may concern : This letter is in reference to my mortgage account with the Department of Veterans Affairs # XXXX, wherein I disputed this account on or about XX/XX/XXXX. Trans Union was reporting that I had been late at least a total of ( 5 ) times starting with the following : XX/XX/XXXX ( 30 days late ) ; XX/XX/XXXX ( 30 days late ) ; XX/XX/XXXX ( 60 ) days late ; and XX/XX/XXXX ( 60 ) days late. For the record, I have never made any late payments on this account despite what your credit agency has been erroneously reporting. 

On XX/XX/XXXX, I received an updated credit report from Trans Union which showed that as a result of my dispute all late payments had been removed. However, In XX/XX/XXXX I checked my credit report again and to my surprise Trans Union put the late payments back on my credit report. 

I provided ( Trans Union ) with a document from my lender ( Department of Veterans Affairs ) informing you that I have never made a late payment of this mortgage account despite what your CRA continuously keep reporting. 

I also included with my letter a copy of my credit report for XX/XX/XXXX, which show that Trans Union updated my report regarding this account and that as a result of the update my report for this period showed no late payments. 

Please note that I have made every attempt to rectify this account with Trans Union by submitting several dispute letters ( certified mail ) and in addition, I have called Trans Union on numerous occasions in efforts to correct this account. My last attempt in calling Trans Union was today ( XX/XX/XXXX ). I kept getting transferred and I could find no one that would help me. 

As you well know, ( Trans Union ) has a statutory obligation under the FCRA to perform a reasonable investigation by conducting a substantive and searching inquiry concerning a legitimate dispute of an item on my report. 

In doing so, you must conduct an independent review about the accuracy of any disputed item and can not merely rely on a furnishers rubber-stamp verification of the integrity of the information the creditor has provided to your agency. 

As a consumer, the FCRA currently provides implicit authority for injunctive relief. Legislation explicitly clarifying this right is intended to underscore congressional intent that injunctive relief should be viewed as a remedy available to me and other consumers. 

If the disputed information is found to be inaccurate, incomplete, or can not be verified, the dispute resolution staff of the consumer reporting agency ( XXXX ) shall have the direct authority to delete or modify such information in the consumers file, as appropriate, during the 30-day period described in paragraph ( 1 ) ( A ), shall promptly notify the consumer of the results of the reinvestigation as described in paragraph ( 4 ), and shall promptly notify any person who provided such information to the consumer reporting agency of the modification or deletion made to the consumers file. 
Please let me remind you ( Trans Union ) that there is NO EXCUSE FOR FAILURE TO CONDUCT REINVESTIGATION.As a consumer reporting agency you may not refuse to conduct a reinvestigation under this subsection because the agency determines that the dispute was submitted by an authorized third party, unless the agency has clear and convincing evidence that the third party is not authorized to submit the dispute on the consumers behalf. 

As a consumer, the FCRA currently provides implicit authority for injunctive relief. Legislation explicitly clarifying this right is intended to underscore congressional intent that injunctive relief should be viewed as a remedy available to me and other consumers. 

If the disputed information is found to be inaccurate, incomplete, or can not be verified, the dispute resolution staff of the consumer reporting agency ( Trans Union ) shall have the direct authority to delete or modify such information in the consumers file, as appropriate, during the 30-day period described in paragraph ( 1 ) ( A ), shall promptly notify the consumer of the results of the reinvestigation as described in paragraph ( 4 ), and shall promptly notify any person who provided such information to the consumer reporting agency of the modification or deletion made to the consumers file.

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