Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I am writing to follow up on my complaint regarding TransUnions failure to resolve my dispute concerning the XXXX XXXX XXXX [ Account Number : XXXX ] account, which is inaccurately reported on my credit file. Despite initiating my dispute on XX/XX/year>, TransUnion continues to report the account as " verified and accurate '' without providing any supporting documentation or addressing my concerns as required by federal law. 

TransUnions actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), and CFPB guidance. 

Violations Committed by TransUnion 1. Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 611 15 U.S.C. 1681i ) : TransUnion has failed to conduct a proper reinvestigation into my dispute. Instead, they rely on automated systems, such as e-Oscar, to close disputes without validating the accuracy of the information or providing supporting documentation. 
2. Failure to Provide Supporting Documentation ( FCRA Section 609 15 U.S.C. 1681g ) : Under the FCRA, I am entitled to access the information used to verify the account, including : The original signed agreement. 
Payment history and balance calculations. 
Confirmation from XXXX XXXX XXXX verifying the accounts accuracy. 
TransUnion has not provided any of this documentation, despite multiple requests. 
3. Reporting Inaccurate and Misleading Information ( FCRA Section 623 15 U.S.C. 1681s-2 ) : TransUnion continues to report this account as charged off while listing a balance as owed. If the account has been charged off and written off as a bad debt, the balance should be {$0.00}, and a 1099-C form should have been issued. Failing to reflect this is inaccurate and misleading. 
4. Exceeding FCRA Deadlines ( FCRA Section 611 ) : The FCRA requires disputes to be resolved within 30 days ( or 45 days if additional information is provided ). My dispute has exceeded this timeframe, and I have not received an adequate response. 
5. Unfair and Deceptive Practices ( CFPA 12 U.S.C. 5531 ) : TransUnions failure to provide verification documents while continuing to report the account as accurate constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ) under the CFPA. 
6. Failure to Ensure Maximum Possible Accuracy ( 12 CFR 1022.43 ) : TransUnion has a legal obligation to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Relying solely on automated verification methods fails to meet this standard. 
Harm Caused TransUnions inaccurate reporting and refusal to validate the account have negatively impacted my creditworthiness. The continued misrepresentation of this account has resulted in financial harm, including potential denials of credit and higher interest rates, for which I am seeking relief.

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 explanation