Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion Consumer Solutions for multiple violations of the Fair Credit Reporting Act ( FCRA ). Despite sending a formal dispute on XX/XX/year>, TransUnion has failed to meet its legal obligations to investigate, validate, and verify inaccurate items on my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 1 ). 

Details of the Dispute : On XX/XX/year>, I submitted a detailed letter to TransUnion requesting a comprehensive reinvestigation of multiple inaccurate and disputed items on my credit report. These items include incorrect late payments, charge-offs, and collections. I provided complete documentation, including identity verification, and outlined the necessary steps for TransUnion to follow under the FCRA. 

The specific items in dispute include : XXXX XXXX XXXX reporting 11 late payments. 
XXXX XXXX XXXX XXXX reporting 22 late payments. 
XXXX XXXX XXXX XXXX Reporting late payments inaccurately. 
XXXX XXXXXXXX XXXX Incorrectly reporting late payments. 
XXXX XXXX Incorrect repossession report. 
XXXX XXXX XXXXXXXX Charge-off reported inaccurately. 
XXXX XXXX XXXX Incorrect collection account. 
XXXX XXXX XXXX Incorrect collection account. 
XXXX XXXX XXXX Incorrect collection account. 
Violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) TransUnion has failed to provide a valid response within the required 30-day timeframe and has not conducted a thorough reinvestigation of the disputed items as mandated by law. 

Failure to Provide Direct Verification from Original Creditors ( 15 U.S.C. 1681i ( a ) ( 6 ) ) I requested that all disputed items be directly verified with the original creditors, as required under the FCRA. TransUnion has not provided this verification and appears to have relied on automated systems such as e-OSCAR, which does not satisfy the legal standards for verification under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) TransUnion has continued to report inaccurate and unverifiable information, which is harming my credit profile. Their failure to adopt reasonable procedures to ensure maximum accuracy is a violation of the FCRA. 

Impact of These Violations : XXXX failure to resolve these disputes has caused the following harm : Denial of credit and higher interest rates on approved credit. 
Emotional distress and significant frustration in trying to correct these errors. 
Ongoing damage to my credit score and financial standing. 
Requested Resolution : I respectfully request the Consumer Financial Protection Bureau to investigate TransUnions failure to comply with the FCRA and take appropriate action. Specifically, I am requesting that : All inaccurate and unverifiable items on my credit report be deleted immediately. 
TransUnion provide direct verification from the original creditors for each disputed item, as required by the FCRA. 
TransUnion be held accountable for their failure to meet the 30-day investigation window, with the application of statutory damages as outlined under 15 U.S.C. 1681n, which provides for damages of up to {$1000.00} per violation. 
TransUnion be required to compensate me for the financial and emotional harm caused by their non-compliance.

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