Consumer complaint received 2024-11-05 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: NC

Complaint narrative:
I am submitting a formal complaint against TransUnion, XXXX and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. 

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.

2. Documentation supporting the charge-off date and the 48 months of negative reporting.

3. Verification that the reported information complies with FCRA standards for fairness and accuracy.

The Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ).

In addition, TransUnion reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA 611 ( a ) ( 5 ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. TransUnions action of reinserting unverifiable information further fails to meet FCRA standards. 

Enclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 
A copy of their response, which fails to provide any documentation substantiating the alleged debt. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and TransUnion for their failure to provide verification as required under the FCRA. 
2. Mandate the immediate removal of this unverifiable account from my TransUnion AND XXXX credit report. 
3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. 

Due to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. 

Thank you for your immediate attention to this matter.

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