Consumer complaint received 2025-01-07 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: MI

Complaint narrative:
XXXX  information is incorrect. All information has been sent to credit reporting agencies and a firm. This includes providing documentation of my identity which they have asked for multiple times and it has been sent certified mail as well as uploaded into their systems. 

XXXX XXXX XXXX XXXXXXXX. Accuracy Violations** - Reporting incorrect or outdated information on a credit report. 
- Failing to use reasonable procedures to ensure maximum possible accuracy. * ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX2. Failure to Reinvestigate DisputesXXXX - Not investigating a consumers dispute within 30 days ( or 45 days if additional information is provided ). 
- Failing to correct or delete inaccurate or unverifiable information after a reinvestigation. * ( Section 611, 15 U.S.C. 1681i ) * -- - XXXX XXXX XXXX XXXXXXXX. Reporting Errors After Disputes** - Data furnishers ( e.g., creditors ) reporting incorrect information after being notified of a dispute. * ( Section 623, 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX4. Failure to Notify of Disputes** - Credit bureaus failing to notify creditors or furnishers that the consumer has disputed information. * ( Section 611 ( a ) ( 2 ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inclusion of Obsolete Information** - Reporting negative information that is too old : - Most items : 7 years. 
- Bankruptcies : 10 years. * ( Section 605 ( a ), 15 U.S.C. 1681c ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unauthorized Access** - Providing credit reports to unauthorized parties ( e.g., without a permissible purpose ). * ( Section 604, 15 U.S.C. 1681b ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Lack of Proper NotificationsXXXX - Failing to notify consumers about : - Denials of credit, insurance, or employment due to a credit report. * ( Section 615 ( a ) ) XXXX XXXX Their right to request a free annual credit report or dispute errors. 

XXXX XXXX XXXX XXXX XXXX  XXXX. Willful or Negligent Noncompliance** - Willfully or negligently violating any FCRA provision. 
* ( Section 616 - Willful ; Section 617 - Negligent, 15 U.S.C. 1681n and 1681o ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Failure to Provide XXXXonsumer DisclosureXXXX - Not providing consumers with their full credit file or failing to disclose the sources of information upon request. * ( Section 609, 15 U.S.C. 1681g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Misleading or Inadequate Reporting** - Mixing credit files of two individuals ( e.g., similar names or SSNs ). 
- Failing to provide clear explanations of credit scores or factors affecting them. 

Violations- These violations could result in liability for actual damages, statutory damages, punitive damages, and legal fees.

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