Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
1. Summary of Complaint This complaint addresses TransUnions violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate reporting, mishandling of disputes, and failure to block fraudulent accounts despite valid identity theft documentation. These issues specifically involve : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX TransUnion has repeatedly violated its obligations under the FCRA by : Reporting inaccurate payment histories and charge-offs. 
Failing to block the XXXX XXXX account after receiving valid FTC identity theft reports and a police report in XXXX. 
Ignoring valid disputes and failing to reinvestigate errors. 
These failures have caused substantial financial harm, emotional distress, and reputational damage.

2. Legal Framework FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Blocking Fraudulent Accounts CRAs must block fraudulent accounts within four business days upon receiving : A valid identity theft report ( FTC affidavit or police report ).

Proof of identity.

A written request to block the account.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) :
Maximum Possible Accuracy CRAs must ensure all information reported is accurate and complete.

FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ) : Duty to Reinvestigate CRAs must conduct a reasonable reinvestigation within 30 days of receiving a dispute and correct or delete any unverifiable information.

3. Accounts in Question and Evidence of Violations A. XXXX XXXX XXXX Violations : Inconsistent and Illogical Payment History : TransUnion reports : On Time payments for XX/XX/XXXX. 
60 Days Late in XX/XX/XXXX, followed by XXXX XXXX for XXXX XXXX. 
Charge-off beginning in XX/XX/XXXX without any logical delinquency progression. 
Post-Dispute Alterations : After disputing the account, the payment history was altered to reflect activity during a charge-off period, obscuring the charge-offs validity.

Harm Caused : Financial Harm : The inaccuracies lowered my credit score, increased my borrowing costs, and limited financial opportunities. 
Emotional Distress : TransUnions mishandling of my dispute caused significant stress and frustration. 
Evidence : TransUnion credit report highlights conflicting and unsupported payment data. 
Requested Resolution : Remove the charge-off and late payments unless validated with complete and accurate payment history. 
Impose penalties for failure to ensure accuracy under FCRA Section 607 ( b ). 
B. XXXX XXXX XXXX XXXX XXXX : Incomplete Payment History Leading to Charge-Off : TransUnion failed XXXX report any payment history leading up to the charge-off. This lack of data makes the reported delinquency and charge-off unverifiable. 
Failure to Reinvestigate : My disputes regarding this accounts inaccuracies were dismissed without reasonable investigation. 
Harm Caused : Financial Harm : Unverified reporting harmed my credit score and financial standing. 
Emotional Distress : The continued reporting of inaccurate information has caused ongoing frustration and XXXX. 
Evidence : TransUnion credit report highlights the missing payment history leading to the charge-off. 
Requested Resolution : Remove the charge-off status and any unverifiable late payments.

Conduct a thorough reinvestigation of this account. 
XXXX XXXX XXXX XXXX. 
Violations : Missing and Incomplete Reporting : TransUnion does not report this account, whereas XXXX and XXXX do. This inconsistency raises concerns about the legitimacy of the account and TransUnions compliance with accuracy requirements.

Failure to Provide Clarity or Reinvestigation : My disputes requesting clarification and consistency across CRAs were ignored.

Harm Caused : Financial Harm : The failure to address this inconsistency has left my credit file incomplete and unreliable. 
Emotional Distress : The lack of transparency regarding this account is causing continued stress. 
Evidence : TransUnion credit report does not show this account, while it appears on XXXX and XXXX reports. 
Requested Resolution : Verify the validity of this account. If it can not be validated, ensure it is removed from all CRAs. 
Provide a detailed explanation for the discrepancy between CRAs. 
XXXX XXXX XXXX ( Fraudulent Account ) Violations : Failure to Block Fraudulent Account ( FCRA Section 605B ) : In 2019, I submitted a valid FTC identity theft report and a police report confirming that the XXXX XXXX account was fraudulent. 
Despite receiving all required documentation, TransUnion failed to block this account within the legally mandated XXXX business days. 
This account was reported as derogatory and remained on my credit report for an extended period, causing harm. 
Failure to Reinvestigate : I submitted multiple disputes regarding this account, yet TransUnion failed to act on the evidence provided.

Harm Caused : Financial Harm : The fraudulent reporting lowered my credit score, increased borrowing costs, and resulted in credit denials.

Emotional Distress : XXXX failure to act on clear evidence caused significant stress. 
Reputational Damage : The continued reporting of a fraudulent account damaged my financial credibility. 
Evidence : FTC identity theft report ( XXXX ). 
Police report ( XXXX ). 
XXXX XXXX  confirmation letter acknowledging the account as fraudulent and removing it. 
Requested Resolution : Acknowledge TransUnions failure to block this fraudulent account under FCRA Section 605B.

Provide compensation for the harm caused due to prolonged fraudulent reporting. 
XXXX XXXX procedures for handling identity theft documentation to ensure future compliance. 
4. Harm Caused Financial Harm : Lower credit scores, increased borrowing costs, and credit denials caused by unverified and inaccurate reporting. 
Emotional Distress : Prolonged stress and XXXX  resulting from XXXX failure to address disputes, block fraudulent accounts, and ensure accurate reporting. 
Reputational Damage : The reporting of fraudulent and inaccurate accounts created a false perception of financial irresponsibility, harming my credibility with lenders.

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