Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to investigate and resolve multiple disputes within the legally mandated 30-day timeframe. Despite submitting detailed disputes and supporting documentation, TransUnion has neither verified nor corrected the inaccuracies on my credit report. These failures have led to harmful and inaccurate reporting, negatively impacting my creditworthiness.

Specific Accounts and Violations : XXXX Account Number : XXXX Errors : Account incorrectly marked as Negative despite being in good standing. 
Balance inaccurately reported as {$8.00} instead of {$0.00}.

Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the accuracy of the account status within 30 days.

FCRA 607 ( b ) : Obligation to maintain accurate reporting of account balances.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete or correct inaccurate information when verification could not be provided. 
XXXX Account Number : XXXX Errors : Account status incorrectly marked as Late 30 Days despite on-time payments.

Payment history shows derogatory marks, which do not reflect the actual payment history.

Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the accuracy of the payment history within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete inaccurate late payment notations when verification was not provided.

FCRA 607 ( b ) : Failure to ensure accurate reporting of payment history. 
XXXX XXXX XXXX Account Errors : Reported as Collection/Charge-off marked as Paid but no verification of payment provided. 
Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the paid status within the 30-day timeframe.

FCRA 611 ( a ) ( 5 ) ( A ) : Obligation to delete the account if it can not be verified. 
XXXX XXXX Accounts ( Two Listings ) Errors : Both accounts reported as Collection/Charge-off with no verification of payment or settlement.

One account shows a balance of {$580.00}, which is unverified.

Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the payment status of charge-off accounts within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the accounts due to lack of verification. 
XXXX Accounts ( Two Listings ) Errors : Both accounts listed as Collection/Charge-off with a balance of {$1600.00}.

Disputes remain unresolved without verification.

Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify disputed items within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Obligation to delete unverified items from the credit report. 
XXXX XXXX Account Errors : Account reported as Collection/Charge-off with a balance of {$960.00} and no verification provided.


Violations : FCRA 611 ( a ) ( 1 ) ( A ) : Failure to verify the charge-off status within 30 days. FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete the account due to lack of verification. Common Violations Across All Accounts : Failure to Verify Disputed Information within 30 Days Violation : FCRA 611 ( a ) ( 1 ) ( A ) requires TransUnion to verify disputed items within 30 days. TransUnion has not complied with this requirement.


Failure to Delete Unverified Accounts Violation : FCRA 611 ( a ) ( 5 ) ( A ) mandates that if disputed items can not be verified, they must be deleted. TransUnion has continued to report these unverified accounts. Inaccurate Reporting of Payment Status and Balances Violation : FCRA 607 ( b ) requires TransUnion to ensure maximum possible accuracy in credit reporting. Accounts inaccurately reflect derogatory statuses and incorrect balances. Failure to Provide Proof of Validation Violation : FCRA 611 ( a ) ( 2 ) requires TransUnion to provide validation or proof when information is disputed. Failure to do so within the legal timeframe constitutes a violation.

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