Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both XXXX  XXXX Accounts Under 15 USC 1681e ( b ) Compliance procedures accuracy of report This account is NOT following reasonable procedures to assure maximum possible accuracy. It is inaccurately reported. Please DELETE immediately. 

Under the FCRA ( 15 U.S.C. 1681i ), credit bureaus must investigate disputed information within 30 days or delete it if unverified. Failure to do so violates federal law, subjecting the bureau to penalties. 

Urgent Complaint Against TransUnion for FCRA Violations Regarding XXXX  XXXX Accounts To Whom It May Concern : I am writing to file a formal and urgent complaint against TransUnion for clear violations of the Fair Credit Reporting Act ( FCRA ) concerning two XXXX  XXXX accounts listed inaccurately on my credit report. Despite multiple disputes, these accounts persistently and erroneously report incorrectly, directly contravening FCRA regulations. Furthermore, these accounts are not reported by other credit bureaus, namely XXXX and XXXX, highlighting further inaccuracies in TransUnion 's reporting. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Details of the Complaint : Inaccurate Reporting : The two XXXX  XXXX accounts on my TransUnion credit report are inaccurately reported. According to the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Despite numerous disputes filed with TransUnion, this inaccurate information remains on my credit report.

Failure to Conduct a Reasonable Investigation : TransUnion is required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable investigation when a consumer disputes the accuracy of information. The continued presence of these inaccuracies suggests that no reasonable investigation has been conducted, in direct violation of the FCRA. 

Inconsistent Reporting Across Bureaus : The XXXX  XXXX accounts in question are not reported on my credit reports from XXXX and XXXX. This inconsistency further indicates that the information reported by TransUnion is inaccurate and should be corrected or removed immediately. 

Request for Immediate Action : I demand the immediate removal of both XXXX XXXX accounts from my TransUnion credit report. The ongoing reporting of this inaccurate information is severely damagi

ng my creditworthiness and is a blatant violation of my rights under the FCRA. Furthermore, under 15 U.S.C. 1681n, I am e
ntitled to compensation for willful noncompliance with the FCRA. Therefore, I also demand compensation for the distress and financial harm caused by TransUnion 's repeated failures to rectify this issue. 

I expect a prompt resolution of this matter. If these inaccuracies are not corrected immediately and compensation is not provided, I will pursue further legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.

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