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: OH

Complaint narrative:
Complaint Against TransUnion Subject Line : Illegal and Inaccurate Reporting of XXXX Account Violations of FCRA Complaint Details : This complaint is being filed against TransUnion for its continued reporting of the XXXX account ( ending in XXXX  ), despite the fact that such reporting is unlawful under the Fair Credit Reporting Act ( FCRA ). 

Here is the legal basis for why this reporting violates federal law : 1. Ownership and Reporting Restrictions Under FCRA : Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), only the current owner of a debt has the authority to furnish information about that debt to credit reporting agencies. XXXX sold this account to XXXX XXXX XXXX XXXX XX/XX/XXXX, and therefore no longer has the legal right to report this account on my credit file. If the current owner, XXXX XXXX XXXX, is not actively reporting the debt, then the account can not appear on my report at all. 
2. Negligence by TransUnion : As a credit reporting agency, TransUnion is required under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of the information it maintains. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation of any disputed item. By allowing XXXX XXXX XXXX reporting this account when they no longer own it, TransUnion has failed to meet these legal obligations.

3. Unverifiable Reporting : If the current owner of the account, XXXX XXXX XXXX, is not reporting this debt to TransUnion, then the account becomes unverifiable. The continued reporting of unverifiable information is not only inaccurate but constitutes a clear violation of federal law. 

Discrepancies and Neglect : In addition to the unlawful reporting by XXXX , this account contains numerous discrepancies between TransUnion and XXXX. Specifically : TransUnion lists the account as XXXX with the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
XXXX lists the account as XXXX with the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The remarks field is also inconsistent : TransUnion states : Purchased by Another Lender ; Paid in Full/Was a Charge-Off. 
XXXX states : Consumer Disputes Reinvestigation in Progress. 

These discrepancies prove that TransUnion failed to conduct a reasonable investigation during the previous dispute process, as required by the FCRA. Despite my attempts to resolve this issue, TransUnion verified the account as accurate, which is a clear failure of their legal duty. 

Harm Caused : TransUnions decision to allow this unlawful and inaccurate reporting has caused harm to my creditworthiness, denied me access to financial opportunities, and subjected me to emotional distress. If TransUnion refuses to hold XXXX accountable , they will be complicit in these violations, and legal action will be taken to ensure they are held responsible for their neglect. 

Ongoing Legal Action Against XXXX : I have already initiated legal action against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX ) on XX/XX/XXXX, with Judge XXXX XXXX presiding XXXX This case addresses XXXX unlawful reporting of this account. 

TransUnion is now complicit in these violations. By continuing to report this account, despite knowing it violates FCRA requirements, TransUnion has chosen to neglect its legal obligations. If TransUnion does not delete the account immediately, legal action will be pursued against TransUnion for knowingly allowing these violations to persist.

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