Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Name : XXXX XXXX XXXX Address : XXXX Hollydale XXXX, XXXX, LA XXXX Email : XXXX Phone : XXXX Date of Birth : XXXX Last XXXX of XXXX XXXX XXXX : XXXX XXXX XXXX Subject : FCRA Violations by TransUnion - Failure to Investigate Disputed Accounts, Provide Method of Verification ( MOV ), and Enter Required Notice of Dispute Accounts in Question XXXX. XXXX XXXX XXXX. 
Account XXXX : XXXX Reason for Dispute : Inaccurate reporting, missing notice of dispute, incomplete payment history, and discrepancies in delinquency reporting. 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Inaccurate reporting, missing notice of dispute, inconsistent delinquency reporting, and discrepancies in payment history. 

Complaint Details I have filed multiple disputes with TransUnion regarding the accuracy of these accounts and their compliance with the Fair Credit Reporting Act ( FCRA ). Despite these efforts, TransUnion has failed to take the appropriate steps to investigate and address my disputes as required under the FCRA Violations Noted. 

XXXX. Failure to Include Required Notice of Dispute Under FCRA Section 623 ( a ) ( 3 ) : If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a consumer reporting agency without providing notice of the dispute Reports I obtained on XX/XX/XXXX, demonstrate that no such notice was included for either account, despite numerous disputes being submitted. This failure to include the notice of dispute invalidates the reporting of the accounts. 

XXXX. Failure to Provide Method of Verification ( MOV ) I requested MOV under FCRA Section 611 ( a ) ( XXXX ) on XX/XX/XXXX, to understand how TransUnion verified the accuracy of the disputed information. TransUnion failed to provide this within the required 15 days. Instead, they repeatedly returned generic responses that did not address my concerns or provide the specific procedures used to verify the accounts. 

XXXX. Inconsistent and Inaccurate Reporting Possible Financial Inc. account reflects incomplete delinquency reporting, contradictory payment histories, and errors in maximum delinquency notations. Despite documented evidence of four payments, the account inaccurately lists $ O payments received and inconsistent delinquency statuses in XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX Bank account has conflicting monthly reporting counts, inaccurate payment history, and inconsistent delinquency reporting. 

XXXX. Failure to Investigate Disputes Thoroughly Despite submitting disputes on multiple occasions, TransUnion has repeatedly returned results stating " verified as accurate '' without addressing the documented inaccuracies or modifying the disputed entries. This failure to conduct a proper investigation is a violation of FCRA Section XXXX ( b ). 

XXXX. Failure to Reflect Updates Reports dated XX/XX/XXXX, and subsequent reports show conflicting details without the required updates or modification dates, further violating FCRA 's mandate for accurate and complete reporting. 
Specific Legal Violations 1. FCRA Section 623 ( a ) ( 3 ) : Failure to include a notice of dispute for reported accounts after receiving formal disputes.

2. FCRA Section 611 ( a ) ( 7 ) : Failure to provide the Method of Verification ( MOV ) upon request.

3. FCRA Section 623 ( b ) ( 1 ) : Failure to investigate and report accurate results within 30 days.

4. FCRA Section 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information. 

XXXX. Case Law Violations : XXXX XXXX Trans Union XXXX : Negligent and willful failure to reinvestigate disputed entries. 
XXXX XXXX XXXX Banking XXXX XXXX XXXX : Failure to reflect a notice of dispute is a violation Evidence Provided Detailed dispute letters with tracking numbers proving delivery and receipt by TransUnion. 
Credit reports dated XX/XX/XXXX, showing the absence of dispute notations. 
Documentation proving payment history and contract terms for XXXX XXXX XXXX. 
Previous credit reports highlighting inconsistencies and inaccuracies in account reporting. 

Requested Resolution XXXX. Immediate Deletion of Accounts : I request the immediate removal of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Bank accounts from my credit report due to violations of the FCRA and the absence of legally required dispute notations. 

XXXX. Provision of XXXX of XXXX ( MOV ) I demand a detailed explanation of how TransUnion verified these accounts, including specific procedures and evidence reviewed. 

XXXX. Compensation for FCRA Violations I reserve the right to seek legal remedies, including claims for damages, for TransUnion 's willful and negligent noncompliance with the FCRA. 

Closing XXXX TransUnion 's repeated failures to address disputes, ensure accurate reporting, and comply with the FCRA are unacceptable. I urge the CFPB to investigate these violations and ensure that TransUnion adheres to the law. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX *The FCRA XXXX requires that consumer reporting agencies ( CRAs ), such as yours, conduct a thorough and independent reinvestigation of disputed items, as outlined in Section 611 ( a ) ( 1 ). This statutory obligation mandates that CRAs must do more than simply accept the findings provided by data furnishers. Instead, CRAs are required to take an active role in verifying the accuracy of the information in question. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has reiterated that both CRAs and furnishers must conduct reasonable investigations of consumer disputes and ensure the completeness and accuracy of the information under review. Your failure to fulfill these responsibilities undermines my rights as a consumer and compromises the integrity of my credit file. *

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