Consumer complaint received 2025-01-12 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: MS

Complaint narrative:
Credit Reporting - Incorrect information on your credit report **Issue : ** Dispute investigation by credit reporting company didnt fix error Complaint Details I am filing this complaint regarding inaccurate and unverifiable information reported on my credit file by Capital One. Despite multiple disputes, no verification or validation has been provided as required under the **Fair Credit Reporting Act ( FCRA ) **. Additionally, as a confirmed **victim of the XXXX XXXX breach**, I have reason to believe these inaccuracies may be tied to identity theft or fraudulent activity. The details of the XXXX XXXX accounts in question are as follows : XXXX. XXXX XXXX Account ( # XXXX ) - Errors : - Conflicting account statuses : " Closed at credit grantor 's request '' and " Charged off. '' - Credit usage is listed as 100 %, with a balance ( {$440.00} ) exceeding the credit limit ( {$300.00} ). 
- Payment history is incomplete ( XXXX to XX/XX/XXXX missing ). 
- XXXX XXXX has failed to provide any validation documents despite my previous disputes. 
2. XXXX XXXX Account ( # XXXX ) - Errors : - Reflects five late payments without clear documentation or explanation.

- Past due amount of {$160.00} is reported, despite the highest balance being only {$190.00}.

- Misleading account status : " Closed at credit grantor 's request, '' but still reported as past due. 
- XXXX XXXX has not provided any verification or supporting documentation. 
FCRA Violations 1. **Failure to Validate : ** - Under **15 U.S.C. 1681i ( a ) **, XXXX XXXX is required to delete unverifiable information within 30 days. Their failure to validate these accounts after multiple disputes is a clear violation of this requirement. 
2. **Failure to Ensure Accuracy : ** - Under **15 U.S.C. 1681e ( b ) **, XXXX XXXX must maintain maximum possible accuracy. The reporting of conflicting, incomplete, and unverifiable information violates this standard. 
**Case Law Reference : ** In **Cushman v. TransUnion Corp. ( 1997 ), ** the court ruled that credit reporting agencies and furnishers can not merely rely on automated data verification systems. XXXX XXXX has failed to conduct a reasonable investigation into the accuracy of the data they report. 
Furthermore, in **Taylor v. First Advantage Background Services Corp. ( 2020 ), ** the court reaffirmed that furnishers of credit information have a duty to ensure the information they report is accurate and verifiable.

Potential Litigation If this matter is not resolved promptly, I reserve the right to pursue legal action under the FCRA for damages caused by XXXX XXXX 's failure to ensure the accuracy of my credit report. Litigation may include claims for statutory damages of up to {$1000.00} per violation, actual damages, punitive damages, attorney 's fees, and court costs. Additionally, I may file complaints with state regulatory agencies. 
XXXX XXXX has failed to address these issues after multiple disputes, violating my rights under the FCRA. I request CFPB intervention to ensure compliance with federal laws and to resolve these issues promptly. 
Thank you for your time and assistance.

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