Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I ave filed a dispute thru the Consumer Finance Protection Bureau on XX/XX/XXXX. The CFPB complaint number is XXXX. You responded on XX/XX/XXXX that my dispute is now in progress. Transunion did not provide me any information within 30 days of my dispute and by Federal law the information that I disputed must be deleted. Here is the dispute I filed : Transunion is reporting inaccurate information on my credit report. I have attached documentation showing my XXXX credit bureaus report and the inaccurate information you are reporting on my credit file. The information on my attached documentation is highlighted in yellow. The information is as follows : Remove WXXXX XXXX XXXX  Account # XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE XXXX FROM MY CREDIT REPORT. Remove XXXX XXXXXXXX XXXX XXXX Account # XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE XXXX  FROM MY CREDIT REPORT. XXXX XXXX XXXX Account # XXXX for inaccuracy because you are reporting the date last active as XX/XX/XXXX while XXXX is XXXX XX/XX/XXXX and XXXX is XXXX XX/XX/XXXX. You are also reporting a 30 day late in XX/XX/XXXX when XXXX is showing that I never had a late payment. PLEASE REM0VE XXXX  FROM MY CREDIT REPORT. Remove SXXXX XXXX Account # XXXX  for inaccuracy because you are reporting the date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. PLEASE REM0VE XXXX FROM MY CREDIT REPORT. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the accuracy, privacy, and fairness of credit information. Violations of the FCRA can lead to civil penalties, including monetary damages, for those found to be in non-compliance. if a consumer can prove that a credit bureau 's violation of the FCRA was " willful '' ( reckless or knowing ), they may be eligible to recover damages. These damages can include Actual damages, Statutory damages : Between {$100.00} and {$1000.00} for each violation, Punitive damages : Based on the harm caused by the violation and what would be needed to deter similar violations in the future. I am a litigious consumer and one of the FCRA violations I can file a lawsuit is your Failure to correct or delete inaccurate information within 30 days of a dispute. THERE IS NO WAY THAT ALL OF YOU CAN BE RIGHT IF THE INFORMATION IS COMING FROM THE SAME DATA FURNISHER.

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