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: CA

Complaint narrative:
Subject : Investigation and Correction of Inaccurate Credit Reporting for Account XXXX XXXX XXXX XXXX XXXX This letter serves as a rePeated formal dispute. under the Fair Credit Reporting Act ( FCRA ) for the immediate correction of serious inaccuracies in the reporting of my account with XXXX XXXX XXXX. Despite my repeated attempts to resolve these issues through previous disputes, you have failed to take appropriate action to correct the errors.

Your continued negligence and non-compliance with the FCRAs requirements to ensure maximum accuracy and proper investigation have caused significant financial harm and emotional distress. If this matter is not resolved immediately, I will pursue all legal remedies.

Account Information in Dispute : Account Name : XXXX XXXX XXXX Account number XXXX Bureaus Reporting Errors : TransUnion and XXXX Inaccuracies Requiring Immediate Correction and FCRA Citations : 1. High Credit Amount Discrepancy ( FCRA 607 ( b ) ) : TransUnion reports a high credit amount of {$3700.00}, while XXXX reports {$2900.00}.

This violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy in the information they provide.

2. Credit Limit Misreporting ( FCRA 607 ( b ) ) : TransUnion lists a credit limit of {$2900.00}, while XXXX falsely lists it as {$0.00}.

Reporting a {$0.00} credit limit is inaccurate, misleading, and a direct violation of FCRA 607 ( b ).

3. Conflicting Dates of Last Activity ( FCRA 611 ( a ) ( 1 ) ( A ) ) : TransUnion reports the last activity as XXXX, while XXXX states it occurred on XX/XX/XXXX. 
These discrepancies demonstrate a failure to conduct a proper reinvestigation, violating FCRA 611 ( a ) ( 1 ) ( A ).

4. Date of Last Payment Inaccuracy ( FCRA 611 ( a ) ( 1 ) ( A ) ) : TransUnion reports the last payment as XX/XX/XXXX, while XXXX states XX/XX/XXXX. 
This inconsistency violates FCRA 611 ( a ) ( 1 ) ( A ), which mandates accurate and verified updates to disputed information.

5. Contradictory Comments on the Account ( FCRA 611 ( a ) ( 5 ) ( B ) ) : TransUnions report states, Charged off as bad debt ; purchased by another lender, while XXXX claims, Charged off ; account transferred or sold.

These conflicting comments violate FCRA 611 ( a ) ( 5 ) ( B ), which requires credit bureaus to delete or modify disputed information if they can not verify its accuracy.

6. Payment History Discrepancies ( FCRA 607 ( b ) ) : TransUnion shows clean records ( O ) following the derogatory status, while XXXX reports multiple months of charge-offs ( XXXX ). 
These inconsistent entries violate FCRA 607 ( b ), as they misrepresent my payment history to creditors.

Documented Repeated Attempts to Resolve : I have made multiple attempts to resolve these issues in good faith, including submitting disputes and providing supporting evidence. Despite this, your responses have been inadequate, incomplete, or nonexistent, further compounding the harm caused by your negligence.

Your Legal Obligations Under the FCRA : As per FCRA 611, you are required to conduct a thorough investigation into disputed information and correct any inaccuracies within 30 days. Failure to comply constitutes a violation of federal law and subjects you to liability under FCRA 616 and 617 for : Financial harm resulting from denied credit opportunities.

Emotional distress caused by your negligence.

Punitive damages for willful non-compliance.

Your repeated failure to address these issues highlights a blatant disregard for your legal responsibilities and my consumer rights under federal law.

Demand for Immediate Resolution : 1. Investigate the inaccuracies outlined above immediately.

2. Correct all errors and discrepancies in your records.

3. Provide written confirmation of the corrections and an updated copy of my credit report.

Notice of Escalation : If you fail to resolve this matter within the required 30-day timeframe, I will have no choice but to pursue the following actions : 1. File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for your repeated violations.

2. Engage legal counsel to seek compensation for financial damages, emotional distress, and punitive damages as permitted under FCRA 616 and 617.

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