Consumer complaint received 2024-06-15 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the incomplete and inaccurate investigation conducted by [ Credit Reporting Agency Name ] into several accounts on my credit report. These accounts include a third-party collection account, an eviction account, and a student loan account with inaccurate payment history. Despite my attempts to rectify these issues through the proper dispute process, the responses from the credit reporting agency have been inadequate and have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Issues Third-Party Collection Account : The third-party collection account listed on my credit report is inaccurate. Despite submitting a detailed dispute, including supporting documentation that proves the debt was paid in full and should not be listed as a collection account, the credit reporting agency failed to correct the information. This violates the FCRA, which mandates the accuracy and completeness of reported information under Section 611 ( a ) ( 1 ) ( A ).

Eviction Account : The eviction account listed on my credit report contains several inaccuracies, including the dates and amounts owed. I provided evidence demonstrating these inaccuracies, yet the credit reporting agency did not perform a thorough investigation, as required by FCRA Section 611 ( a ) ( 2 ). Their failure to correct or remove the inaccurate information demonstrates non-compliance with the FCRAs standards for accuracy and completeness.

Student Loan Account : The student loan account on my credit report shows an inaccurate payment history. Specifically, it incorrectly lists late payments for months when payments were made on time. Despite providing bank statements and other evidence to support my dispute, the credit reporting agency did not correct the inaccuracies. This oversight is a violation of FCRA Section 611 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 

Relevant FCRA Statutes Section 611 ( a ) ( 1 ) ( A ) : This section mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and ensure its accuracy and completeness.

Section 611 ( a ) ( 2 ) : This section requires that the credit reporting agency notify the furnisher of the disputed information and that both entities must investigate and report the results back to the consumer. 
Impact The inaccurate information on my credit report has significantly affected my creditworthiness, leading to higher interest rates on loans and difficulties in obtaining new credit. It is essential that credit reporting agencies adhere to the FCRAs guidelines to ensure the information reported is both accurate and complete.

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