Consumer complaint received 2025-01-24 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date : XX/XX/year> ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : XXXX XXXX XXXX, TransUnion, and XXXX for Violations of the FCRA Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against the major credit reporting agenciesEquifax, TransUnion, and XXXX multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the reporting and handling of my First Progress card account. 
Today, XX/XX/year>, at XXXX XXXX  I spoke with XXXX XXXX XXXX customer service to inquire about the reporting of my account. I was informed that XXXX XXXX has been consistently reporting this account to the credit bureaus on the XXXX of every month. However, XXXX, TransUnion, and XXXX have failed to accurately report this information on my credit report. Additionally, they have deleted this account from my credit report on various occasions without justification. 
I am aware that creditors do not have the authority to delete accounts from consumers ' credit reports, and this improper action raises serious concerns about the credit bureaus compliance with FCRA obligations. Specifically, the following violations have been committed : Violation of Section 607 ( b ) of the FCRA : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The failure to report accurate and up-to-date information about my XXXX XXXX card account demonstrates negligence in meeting this obligation. 


Failure to Investigate and Correct Errors : As required under the FCRA, credit reporting agencies must investigate disputed information and correct any errors. Despite providing evidence of inaccuracies, XXXX, TransUnion, and XXXX have not taken appropriate corrective actions to ensure the accuracy of my report. 


Deletion of Account Information Without Proper Basis : The removal of my First Progress account without valid justification suggests potential unauthorized handling of my account information. 


Obtaining Consumer Reports Without Permissible Purpose : Under the FCRA, any person or entity that obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer or {$1000.00}, whichever is greater. If any unauthorized access to my credit report occurred during these events, it constitutes a serious violation of my rights under the FCRA. 


Attached to this letter, I have included screenshots of my XXXX XXXX account as evidence of the reporting inaccuracies and deletions by the credit bureaus. These documents clearly show that the account was closed by XXXX XXXX, and they also include the relevant dates when the account was deleted from my credit report. 
I respectfully request the CFPB to investigate these violations of the FCRA and hold XXXX, TransUnion, and XXXX accountable for failing to fulfill their legal responsibilities. I also ask for any necessary actions to ensure the accurate and consistent reporting of my credit information in the future. 
Thank you for your attention to this matter. Please feel free to contact me if you require any additional information or documentation. 
Sincerely, CFPB IF I RECEIVE ANY STALL LETTERS, OR ANY EMAILS STATING THEY CAN'T REINSERT MY ACCOUNT I WILL MAIL ALL RESPONSES TO YOUR LOCAL OFFICE. ALL CFPB XXXX STATED THEY DON'T REINSERT INFORMATION ON CREDIT REPORTS.

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