Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Subject : Continued Reporting of Inaccurate Information by Credit Bureaus To Whom It May Concern, I am writing to file a formal complaint against the three major credit bureaus regarding their continued inaccurate reporting of my XXXX XXXX XXXX account, despite multiple disputes and requests for corrections. 

Account Name : XXXX XXXX XXXXXXXX Background : I have repeatedly disputed the inaccuracies in my XXXX XXXX XXXXXXXX account information under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to rectify the inaccuracies and continue to report conflicting and incorrect information. The persistent errors have severely impacted my creditworthiness. 

Inaccuracies in Reporting : Incorrect status Incorrect reporting Incorrect balance Violations and Relevant Laws under FCRA and FDCPA : 15 U.S. Code 1681e ( b ) : Accuracy of Report Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information. The ongoing inaccuracies indicate a clear violation of this requirement. 
15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy The credit bureaus are required to investigate disputes promptly. Their failure to correct the inaccuracies after multiple disputes is a direct violation of this statute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected. The credit bureaus have neither corrected nor deleted the inaccurate information.

15 U.S.C. 1681s-2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies Furnishers , such as XXXX XXXX XXXX XXXX must conduct an investigation when they receive a notice of dispute and must notify all credit reporting agencies to which they provided the information if inaccuracies are found. 
15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers XXXX XXXX XXXXXXXX , as the furnisher, is required to investigate disputes and correct any inaccuracies. Their failure to do so has resulted in continued reporting of incorrect information.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. The continued inaccuracies in reporting my account status and balance violate this provision.

Specific Violations and Harms : The credit bureaus failure to ensure accurate reporting and to correct inaccuracies upon dispute has harmed my creditworthiness. 
XXXX XXXX XXXX inaccurate balance reporting, potentially related to a charged-off debt and possible issuance of a Form 1099-C, constitutes a violation of accurate reporting requirements.

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