Consumer complaint received 2024-11-14 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:
Immediate Correction and Update ( FCRA 1681i ( a ) ) : Both XXXX and TransUnion should promptly remove the erroneous late payment for XX/XX/XXXX on my XXXX XXXX XXXX  account, correcting the report to accurately reflect a closed status with a {$XXXX} balance as of XX/XX/XXXX. This aligns with FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which mandates credit bureaus to conduct reasonable investigations and maintain accurate information.

Written Confirmation of Corrections ( FCRA 1681i ( a ) ( 6 ) ) : I request formal written confirmation from both XXXX and TransUnion, per 15 U.S.C. 1681i ( a ) ( 6 ), documenting the correction of this error, including an updated copy of my credit report reflecting these changes.

Assurance of Accuracy and Preventative Measures ( FCRA 1681e ( b ) ) : To ensure ongoing accuracy, Equifax and TransUnion should review this account 's reporting under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to maintain maximum accuracy. Written assurances of these measures would be appreciated.

Credit Score Adjustment and Recalculation ( FCRA 1681g ( f ) ) : Given the impact of this reporting error on my credit score, I request a recalculated score to reflect the accurate, corrected information per FCRAs Section 609 ( f ) ( 15 U.S.C. 1681g ( f ) ), which allows consumers access to correct credit score information.

Explanation of Delay and Compliance Statement ( FCRA 1681s-2 ) : Finally, I request an explanation as to why the inaccurate information was not promptly corrected despite prior dispute notifications, as mandated under FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for accurate reporting and timely resolution. A compliance statement from XXXX and TransUnion will clarify that appropriate corrective measures are in place to prevent recurrence ... ... ... ... ... ... ... ... ... ... ... Heres a description of what happened, formatted to meet the guidelines for a complaint to the Consumer Financial Protection Bureau ( CFPB ) : In XX/XX/XXXX, an erroneous late payment was reported by XXXX XXXX Bank on my closed account, which had a {$XXXX} balance as of XX/XX/XXXX. This incorrect information negatively impacted my credit reports with XXXX and TransUnion, despite prior disputes. Both TransUnion and XXXX have continued to report the error, while XXXX has already corrected the account details. 

I took several actions to resolve this, including submitting disputes to XXXX and TransUnion, but the inaccurate reporting has persisted. This reporting error has caused ongoing harm to my credit profile, affecting my XXXX XXXX and overall creditworthiness. As mandated by the Fair Credit Reporting Act ( FCRA ), XXXX and TransUnion are responsible for investigating and maintaining accurate consumer information. 

I request immediate correction of this inaccurate reporting on my credit reports, along with written confirmation of the correction, to ensure my account accurately reflects a {$XXXX} balance and closed status as of XX/XX/XXXX.

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