Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On XX/XX/2024 I sent a complaint via CFPB to Transunion advising that creditor XXXX  Account # XXXX AND creditor : XXXX Account # XXXX has violated my rights and to conduct a re-investigation into this account. On XX/XX/2024 Transunion sent there investigation back via CFPB saying that the investigation is completed and XXXX XXXX  verified the account as accurate. I looked at my consumer reports and notice the account is still INACCURATE and there is still large discrepancies and information mismatch reporting on my credit report. According to 15 USC 1681i-Procedure in case of disputed accuracy theyre suppose to update or modify or delete those accounts ; If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results and according to 15 USC 1681 ( e ) ( b ) Theyre suppose to assure MAXIMUM possible ACCURACY!! 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

A person shall not furnish information related to a consumer to any consumer reporting agency IF the person knows or has REASONABLE cause to believe the information is INACCURATE. Transunion really did not do a thorough RE-INVESTIGATION on my accounts they LIED on official documents saying that they verified and investigated these accounts as accurate and they DID NOT!! I have EVIDENCE to prove my case otherwise ; I want these INACCURATE accounts DELETED from my consumer reports due to INCOMPLETE INFORMATION and them lying saying they did a thorough investigation and they did NOT!! 

Creditor : XXXX Account # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
Creditor : XXXX Account # XXXX In Accordance with the Fair Credit Reporting act XXXX  Account Number # XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1681- Congressional findings and statement of purpose- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Failure to follow reasonable procedures to assure maximum possible accuracy of my information as a consumer is NEGLIGENT and causing emotional distress and humiliation. You have damaged my reputation; you have a Duty : a moral or legal obligation ; a responsibility. 
Accurate : correct in all details ; exact Prohibition : a law or regulation forbidding something. I need this account Re-investigated and REMOVED ; DELETE this Erroneous, inaccurate account from being furnished on my Consumer report!! THIS IS MY FINAL WARNING I HAVE ATTACHED THE MANY INACCURACIES AND HIGHLIGHTED PROOF THAT THIS ACCOUNT IS NOT ACCURATE AND SHOULD BE DELETED IMMEDIATELY!!

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