Consumer complaint received 2025-01-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Re : Dispute Investigation File # XXXX | Inadequate Investigation of Credit Report Disputes** To Whom It May Concern : I am writing to formally contest the results of your recent investigation into my credit report disputes ( File # XXXX, issued XX/XX/XXXX ). The investigation failed to comply with the requirements of the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. **, specifically 1681e ( b ) ( accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( reasonable reinvestigation ). Additionally, your methodology appears inconsistent with precedent set by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX ( Case No. XXXX ), which found systemic flaws in XXXX dispute resolution processes that harmed consumers. 

# # # **1. Specific Discrepancies and FCRA Violations** # # # # **a. XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX ) ** - **Inaccurate Delinquency Reporting** : The account is listed as XXXX days past XXXX in XX/XX/XXXX and XX/XX/XXXX, yet it was opened on XXXX. A delinquency of XXXX  days within XXXX months of opening is implausible. 
- **Failure to Update Balance*XXXX : The balance remains at {$XXXX} despite {$XXXX} listed as past due. This inconsistency violates 1681e ( b ), which mandates maximum possible accuracy. 
- **Outdated Removal Date** : The item is marked for removal in XXXX, exceeding the XXXX reporting period** for delinquencies under 1681c ( a ) ( 4 ). 

# # # # **b. XXXX XXXX XXXX XXXX  # XXXX ( Credit Card Account ) ** - **Incorrect Charge-Off Status** : The account is labeled charged off with a balance of {$XXXX}, yet the credit limit is {$XXXX}. XXXX violates 1681e ( b ).

- **Unreported Resolution** : The payment history shows no activity since XX/XX/XXXX, yet the account was closed in XX/XX/XXXX. This suggests incomplete investigation under 1681i ( a ) ( 1 ) ( A ). 

# # # # **c. XXXX XXXX XXXX # XXXX ( Student Loan ) ** - **XXXX XXXX XXXX** : While the account is now paid as agreed, the XXXX Delinquency of XXXX  days in XXXX and XXXX remains unaddressed. Under 1681i ( a ) ( 5 ), you must notify me of any deletion of disputed information.

# # # **2. Legal Precedent and Investigation Methodology** In XXXX XXXX XXXX, the XXXX Circuit affirmed XXXX XXXX dispute processes without human review** violate the FCRA. The court noted that XXXX reliance on boilerplate responses and failure to forward critical evidence to furnishers constituted willful noncompliance ( 15 U.S.C. 1681n ). Similarly, your response to my disputes appears formulaic, with updates to Historical XXXX XXXX while ignoring core inaccuracies. 

# # # XXXX. Demanded Actions** Pursuant to 1681i ( a ) ( 6 ) : 1. **Delete or correct** all inaccuracies in the above accounts. 
XXXX. Provide **documentation of your investigation**, including communications with furnishers. 
XXXX. **Suppress** the child support account if removal exceeds FCRA timeframes XXXX 
XXXX. **Certify in writing** that corrections have been made. 

Failure to resolve this within XXXX XXXX will compel me to pursue legal remedies under 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX [ Enclosures : Copy of Investigation Results, ID ] -- - **Key Legal References** - **15 U.S.C. 1681e ( b ) ** : Requires CRAs to follow reasonable procedures to ensure accuracy.

- **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** : Mandates a reasonable investigation of disputes. 
- **XXXX XXXX TransUnion, LLC** : Highlights systemic flaws in XXXX dispute process.

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