Consumer complaint received 2024-12-12 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:
This complaint is being filed against the three major consumer reporting agenciesXXXX XXXX, and TransUnionfor failing to comply with the requirements established under 15 U.S. Code 1681i concerning the procedures required in cases of disputed accuracy of consumer information. My goal is to ensure these agencies adhere to legal standards designed to protect consumers from inaccuracies in their credit reports.

-- - 2. Background Information a. Consumer Reporting Agencies Involved : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. 
- TransUnion LLC b. Complaint Overview : I am a consumer who has experienced disputes concerning the accuracy of information in my credit report that these agencies failed to address in compliance with federal law. I am specifically alleging violations related to the reinvestigation process, lack of notifications regarding disputes, and failure to treat complaints in accordance with the provisions mandated by 15 U.S. Code 1681i.

-- - 3. Specific Allegations of Violations a. Failure to Conduct Proper Reinvestigations ( 1681i ( a ) ( 1 ) ) I submitted a formal dispute regarding the inaccurate item ( s ) ]. However, I did not receive a timely or reasonable reinvestigation response. The law requires these agencies to conduct a thorough and free investigation of any disputed information within 30 days of receiving notice of the dispute.

- As of today, I have not received a satisfactory response nor any indication that a reasonable investigation was conducted, violating 1681i ( a ) ( 1 ) ( A ).

b. Lack of Prompt Notification of Dispute ( 1681i ( a ) ( 2 ) ) According to 1681i ( a ) ( 2 ), consumer reporting agencies must notify the furnisher of information within 5 business days of receiving a dispute. 

- I have evidence that XXXX XXXX & TRANSUNION failed to provide prompt notification to the relevant furnishers regarding my disputed information, thereby obstructing the process to rectify the erroneous data.

c. Inadequate Notice of Determination of Frivolous Dispute ( 1681i ( a ) ( 3 ) ) Should the agency determine a dispute to be frivolous or irrelevant, they are obligated to notify the consumer within 5 business days.

- I did not receive any such notice regarding my dispute, nor was it communicated that my dispute was considered frivolous, resulting in further noncompliance with 1681i ( a ) ( 3 ).

d. Failure to Provide Written Results of the Reinvestigation ( 1681i ( a ) ( 6 ) ) Post the completion of a reinvestigation, the law requires written notice of the results
be sent within 5 business days to the consumer.

- As of now, I have not received such a notice from either agency involved, violating my rights under 1681i ( a ) ( 6 ).

-- - 4. Request for Remedial Action Given the allegations outlined above, I am requesting that the Consumer Financial Protection Bureau take appropriate action, which may include : - Conducting a thorough investigation into these compliance failures by XXXX XXXX XXXX TRANSUNION - Requiring the agencies to amend their practices to comply fully with the requirements of the Fair Credit Reporting Act, particularly 1681i.

- Providing me with a correction or adjustment to my credit report relative to the disputed entries as per the Federal regulations.

- Ensuring that I receive written communication regarding the outcome of this complaint and the actions taken by the CFPB.

-- - 5. Supporting Documentation I have attached the following documents to support my case : 1. Copies of my dispute letters sent to each agency. 2. Correspondence received from the agencies regarding my disputes. 3. A copy of my credit report showing the disputed items. -- - 6. Conclusion The above-mentioned agencies hav
e failed to uphold the legal standards established under 15 U.S. Code 1681i, which protects consumers against inaccurate credit reporting. I respectfully request the CFPB to investigate these agencies ' actions or failures to act and facilitate correction to my credit report and broader compliance with consumer protection laws.

Please provide me with the identity of the individual you conversed with at INQUIRY. 


It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atINQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, INQUIRY, INQUIRY, INQUIRY, INQUIRY and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX, XXXX - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation.

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