Consumer complaint received 2025-01-08 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for failing to provide accurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ). 

Upon reviewing my credit report, I noticed discrepancies in the reporting of my rental payments under the account identified as XXXX. Specifically : XXXX. My rental payments for XX/XX/XXXX and XX/XX/XXXX are not updated on both reports XXXX XXXX, AnnualCreditReport. It's showing date of Last Activity XXXX XXXX XXXX. My rental payment for XX/XX/XXXX, is completely missing. 



Enclosed with this letter, I have provided the following documents as evidence : 1. A screenshot of my TransUnion credit report showing the missing and incomplete information.

2. A statement from my rental management account showing the payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 



These inaccuracies are not only misleading but could negatively affect my creditworthiness and financial reputation. Under the FCRA, TransUnion is obligated to ensure that all furnished information is complete and accurate. 

I kindly request the CFPB to investigate this matter and compel TransUnion to update my credit report with the correct payment history for the account in question. 

Please confirm receipt of this letter and let me know if further documentation is required. I look forward to your prompt response and resolution of this issue. 

Thank you for your time and attention to this matter. 

Sincerely, CFPB TRANSUNIONS NOT COMPLYING ALSO VIOLATES. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater ;

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