Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint with CFPB and next to a civil suit against TransUnion concerning an improper investigation of the validity of my TransUnion credit report. I have contacted TransUnion via the TransUnion website, via certified mail on XX/XX/year>, XX/XX/year> XX/XX/year> about XXXX accounts from XXXX  XXXX that did not belong to me which was considered inaccurate information on my TransUnion Credit Report. Each time, TransUnion reported on my credit report a statement account previously in dispute-investigation complete, verified and updated reported by data furnisher. ( see attachment latest TransUnion report ) I did my due diligence and contacted the furnisher-XXXX  XXXX. ( See attached documentation ) came directly from XXXX XXXX, specifically stating in BOTH letters from XXXX XXXX that they did not know if an application was taken over the phone or the Internet and that they couldnt provide me- the consumer- evidence of supporting documentation to validate the accounts belonging to me. Also, XXXX XXXX provided a letter stating allegedly received an application via the internet and listed dates and amounts in the letter that do not match what has been recorded on my TransUnion credit report ( See attached screenshot of credit report ). In addition, XXXX XXXX allegedly stated there was an account opened with a contract but could not provide a paper copy to send me bearing my signature. 
On XX/XX/year>, TransUnion provided a report number # XXXX ( see attached credit report ) showing that they removed/deleted the XXXX XXXX account # XXXX for {$1900.00}. Yet, on XX/XX/year>, TransUnion report # XXXX, stating XXXX XXXX account # XXXX for {$810.00} has been verified as accurate and updated. Making a statement on my report we investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATRE The TransUnion verification process is inaccurate and inconsistent. This clearly shows TransUnion did not conduct a thorough investigation with the data furnisher-XXXX  XXXX as stated. 
If so, with supporting documents of both accounts, TransUnion would have deleted both and not just XXXX account from XXXX XXXX concluded if they would have scrolled down the document to see the second account letter. The data furnisher, which is XXXX XXXX, specifically stated in BOTH letters, that the accounts could not be validate ( supporting documents attached ). According to 15 U.S. Code 1692g ( a ) in the section of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX was not able to validate the account. This is questionable as to why TransUnion would state under their investigation that the information you disputed has been verified as accurate. How can TransUnion say this account is accurate when one, the creditor-XXXX XXXX can not validate the account belonging to me by providing any documentation associated with this account bearing my signature. And two, there are inconsistencies in the payment history on the letter than whats reported on my TransUnion Credit report. This is defamation of character and a violation of the Fair Credit Reporting ACT. Again, XXXX has violated 15 U.S. Code 1681i ( a ) ( 5 ) : which this part of the FCRA specifies that if, after an investigation, the information is found to be inaccurate or can not be verified, it must be deleted from the credit report.This type of action that TransUnion is demonstrating towards me, can be viewed as discriminatory practice and again defamation of character.

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