Consumer complaint received 2024-08-09 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: RI

Complaint narrative:
Transunion is reporting inaccurate information to my consumer profile and I have made them aware of this for the past 7 months since XX/XX/XXXX. This is regarding a XXXX  XXXX XXXX credit account # ending in XXXX that was charged off in XX/XX/XXXX. I sent a letter requesting an investigation into the accuracy of this account on XX/XX/XXXX. In the letter, I specified areas of inaccuracies that I had identified such as the payment history and account status. The FCRA ONLY ALLOWS up to 30 days for this initial investigation. I demanded that if they were unable to verify the account as accurate and complete, that they should then delete this account from my profile. Transunion responded back by updating the account information as verified. 

Then on XX/XX/XXXX, I sent them a method of verification letter in which I requested account level documents and further proof of their verification method. I again asked for them to delete the account if they were not able to verify the information within the 15 day window that is allowed by the FCRA for this second verification/reinvestigation period. They did NOT respond back within the 15 days, which is a VIOLATION of the FCRA! 

So around XX/XX/XXXX, which was well over 90 days since my initial letter was sent, I sent a complaint via the CFPB requesting that the account be deleted because they had failed to provide me with the requested documents within the timeframe ALLOWED BY THE FCRA! Around XXXX, XXXX, the account seemed to have been removed which led to a significant FICO score increase. 

But then it was evident that the account was reinserted days later and updated as verified! But HOW CAN THE ACCOUNT BE verified as accurate when the origin date opened was XX/XX/XXXX but there is NO PAYMENT HISTORY REPORTING untiXXXX XXXX XXXX XXXX? How is the payment history accurate when the last payment date is showing as XX/XX/XXXX as well as XX/XX/XXXX? It is now XX/XX/XXXX and the XXXX  charge off with account # XXXX is still being reported to my consumer profile! And there is still inaccurate information being reported such as the payment history, account status and date of last payment! 

At this point, this is willful non-compliance and deliberate reporting of inaccurate information to my consumer profile which is yet another violation of my consumer rights which are protected under the FCRA! I WANT THIS ACCOUNT PERMANENTLY DELETED FROM MY CONSUMER REPORT! If this account is not promptly DELETED from my consumer profile, then for damages, I will invoke my rights as a consumer pursuant to 15 USC 1681n Civil Liability for WILLFUL Noncompliance. If this account is not promptly DELETED then I will seek compensation for EVERY violation that has been found under the FCRA!

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