Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX repeated violations of the Fair Credit Reporting Act ( FCRA ). Despite resolving a recent dispute and removing an inaccurate account from my credit report, XXXX XXXX has a long history of inaccurately reporting this same account, which has caused significant financial and emotional harm. Evidence from my XXXX FTC identity theft report and a police report proves that this account was flagged as inaccurate years ago. Yet, XXXX XXXX has continued to report this information to consumer reporting agencies ( CRAs ), violating their obligations under the FCRA. 

Details of the Complaint : Nature of the Issue : XXXX XXXX inaccurately reported an account under my name to the consumer reporting agencies. I am not responsible for this account, as documented in my XXXX FTC identity theft report and police report. 
Despite previous disputes and resolutions in XXXX, XXXX XXXX resumed reporting this inaccurate account. 
Most recently, XXXX XXXX removed the account again after a dispute I filed in XXXX, which confirms their error. However, the harm caused by years of negligent reporting remains unresolved. 
Violations of Law : FCRA 623 ( a ) : XXXX XXXX repeatedly failed to ensure the accuracy of the information they provided to consumer reporting agencies, despite being on notice as far back as XXXX. 
FCRA 623 ( b ) : XXXX XXXX failed to adequately investigate disputes and take corrective action to prevent future errors. 
Case Law Supporting Violations : Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ) : Reinforces the duty of furnishers to ensure accuracy and take responsibility for harm caused by inaccuracies. 
Cousin v. Trans Union Corp., 246 F.3d 359 ( 5th Cir. 2001 ) : Establishes liability for repeated inaccuracies and harm caused, even if resolved later.

Harm and Damages : Credit Score Impact : The repeated inaccurate reporting of this account negatively affected my credit score over the years, limiting my financial opportunities.

Emotional Distress : The ongoing stress of disputing this account repeatedly, along with the financial impact, has caused significant emotional harm. 
Financial Harm : Due to the damage to my creditworthiness, I have been denied credit and subjected to higher interest rates. 
Consumer Reporting Agencies ( CRAs ) : CRAs ( XXXX, XXXX, TransUnion, XXXX ) also bear responsibility for failing to flag and suppress this inaccurate information despite documentation from my XXXX FTC identity theft report and police report. 
Under FCRA 611 ( a ) and 607 ( b ), CRAs have a duty to investigate disputes and ensure the maximum possible accuracy of consumer reports. Their failure contributed to the harm I have suffered.

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