Consumer complaint received 2024-09-19 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: CA

Complaint narrative:
On XX/XX/year>, I contacted TransUnion to cease and desist the inaccurate and incomplete information being reported on my credit file. I disputed several items and requested that TransUnion furnish the following as required by law : The procedures used to verify each disputed item as per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), The name and qualifications of the certified individual conducting the investigation, and Documentation related to charge-off accounts, specifically as mandated by 15 U.S.C. 1666b.

Instead of fulfilling my request, I was informed by a TransUnion " specialist '' that no actual person conducts the investigation. Instead, the process is delegated to a machine-operated system called e-OSCAR. I find this method entirely inadequate, as it fails to consider the specifics of my dispute, the documents I provided, and the detailed nature of my claims. How is this system in fairness to the consumer? 

Issues Raised : The e-OSCAR system does not satisfy the standards of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Automated verification without human oversight or thorough document review can not ensure accuracy and fairness.

TransUnion has not provided the procedures it used to verify the disputed information nor the name of the individual ( if any ) responsible for reviewing my case.

No evidence has been provided regarding the charge-off accounts, in violation of 15 U.S.C. 1666b, which requires that billing errors and charge-offs be properly investigated and substantiated.

Violations of Consumer Rights : This lack of transparency and failure to conduct a proper investigation is a direct violation of my rights under the FCRA and has resulted in the continued reporting of inaccurate information on my credit file. The automated approach taken by TransUnion has deprived me of a fair and individualized review of my dispute. 

Request for Investigation and Action : I am requesting that the Consumer Financial Protection Bureau : Investigate TransUnions use of the e-OSCAR system and determine whether it meets the requirements for a reasonable investigation under the FCRA. 
Require TransUnion to provide the procedures used to verify my disputed items, along with evidence supporting the charge-offs, in compliance with 15 U.S.C. 1666b.

Ensure that TransUnion performs a proper investigation that involves the review of the documents I have submitted, as well as the details of my dispute. 
I have enclosed copies of my communications with TransUnion, the documentation I have provided them, and their responses, or lack thereof. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the appropriate steps to ensure that TransUnion is held accountable for their failure to uphold my consumer rights.

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