Consumer complaint received 2024-12-22 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: IL

Complaint narrative:
Formal Dispute Regarding Investigation Results Violation of FCRA Regulations Ref ( a ) File number XXXX Per Ref ( a ), I am writing to express my dissatisfaction and concern regarding your handling of my dispute related to the accounts listed below. Transunion response, claiming that the accounts were " verified as accurate, '' raises significant questions about the methods employed in your investigation. It is evident that your process is flawed, as the reporting on these accounts contains blatant inaccuracies that have not been questioned or corrected. 
Accounts in Dispute : XXXX. XXXX XXXX. XXXX  Violations and Concerns : XXXX. XXXX Account : o The account inconsistently reports charge-offs in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can these discrepancies coexist for the same account? This contradiction should have been flagged and addressed in any legitimate investigation. 
o The account reports 120 days late repeatedly in XXXX, XXXX, and XXXX of XXXX, which defies logical reporting practices. Your lack of scrutiny into such an obvious inconsistency is unacceptable. 
o The account has been re-aged as recently as XX/XX/XXXX. Re-aging an account without justification is a clear violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX. This action is both deceptive and detrimental to my credit score. 
XXXX. XXXX Account : o This account has been reported as " charged off '' every month since XX/XX/XXXX. A charged-off account can not continue reporting monthly as charged offit is a one-time status. 
o The account was also re-aged to XX/XX/XXXX, which violates the FCRAs provisions for accurate and timely reporting under Section 605.

Legal Violations : FCRA Section 611 ( a ) ( 1 ) ( A ) : You failed to conduct a proper reinvestigation of the disputed information, allowing XXXX and XXXX to provide inaccurate and contradictory reporting. 
FCRA Section 623 ( a ) ( 1 ) ( A ) : Credit furnishers must provide accurate information. By accepting conflicting data from these furnishers without question, you are complicit in their violations.

FCRA Section 605 ( c ) : Re-aging an account violates the statute of limitations for reporting adverse items, creating undue harm to consumers.

FCRA Section 607 ( b ) : You are obligated to maintain reasonable procedures to ensure maximum possible accuracy. The errors in these accounts demonstrate a clear lack of such procedures. 
Harm Caused : Your actions and omissions have directly harmed my credit profile, costing me thousands of dollars in interest rates and financial opportunities. It is my legal right to have my accounts reported accurately and fairly. By failing to conduct a thorough investigation, you have disregarded this right. 

If these demands are not met within 15 days, I will have no choice but to escalate this matter. This includes filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal action to protect my rights. Furthermore, I will explore bringing this to media attention to highlight your predatory practices against consumers. 
Please consider this letter as formal notice and give this matter your immediate attention.

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