Consumer complaint received 2024-06-02 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: MD

Complaint narrative:
Subject : Urgent Request for Immediate Deletion of Inaccurate Possible Finance Account from my TransUnion Credit Report ( In Response to CFPB Complaints XXXX and XXXX ) : I am writing to address the ongoing issue regarding the inaccurate reporting of a Possible Finance account on my TransUnion credit report, in direct response to CFPB Complaints XXXX and XXXX. Despite multiple attempts to rectify this discrepancy, it is evident that a thorough and proper investigation has not been conducted by TransUnion. 
The discrepancies between the account number on my credit report and the original account number from my loan contract, as well as the mismatch in the loan opening dates, clearly indicate that the reported information is inaccurate. I have provided copies of my original loan document as evidence to support my claim. 
TransUnion 's responses to my complaints have been inadequate, and it is apparent that the investigation conducted did not address the key points raised in my dispute. This lack of attention to detail is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Furthermore, I would like to highlight that the Payment History for this account does not show any late payments. Despite this, the account is being reported as 30 days late, which is inaccurate and misleading. An account can not be reported as 30 days late with no derogatory payment history associated with it.

Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Violation of Section 611 : Failure to conduct a reasonable investigation of disputed information.

2. Violation of Section 623 : Failure to ensure maximum possible accuracy of consumer information.

Violations of the Truth in Lending Act ( TILA ) : 1. Violation of Disclosure Requirements : Inaccurate reporting of loan details and failure to review supporting documentation.

2. Violation of Reporting Requirements : Failure to verify the accuracy of account information and neglecting supporting documentation provided by the consumer.

I demand that TransUnion take immediate action to delete the erroneous Possible Finance account from my credit report. These violations of both the FCRA and TILA warrant the urgent removal of this inaccurate information to ensure the integrity of my credit profile.

If TransUnion fails to comply with this request and continues to violate my rights under the FCRA and TILA, I will have no choice but to seek legal action against TransUnion for these violations.

I urge TransUnion to prioritize this matter and take the necessary steps to rectify the inaccuracies promptly. I look forward to receiving confirmation of the deletion of the erroneous account from my credit report.

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