Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate and correct numerous inaccuracies on my credit report. Despite sending multiple dispute letters with supporting documentation, TransUnion has not corrected the errors or deleted unverifiable accounts. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of credit reporting and proper investigation of disputes. The repeated failure to act on these disputes has caused significant harm to my credit profile and financial well-being. 

Disputed Accounts and Errors Identified XXXX  XXXX XXXX Account Number : XXXX Error : Inconsistent reporting of late payments across different credit bureaus.

Relief Sought : Correct the late payment history or update to Never Late.

Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
XXXX XXXX  Account Number : XXXX Error : Reporting nine 30-day late payments, which is mathematically impossible. 
Relief Sought : Update to Never Late.

Violation : FCRA 607 ( b ) Inaccurate and misleading reporting. 
XXXX XXXX  Account Numbers : XXXX XXXX XXXX Error : Reporting collections as Open Accounts. Collections should not be reported as open accounts.

Relief Sought : Validate the debts or delete these accounts. 
Violation : FCRA 623 ( a ) ( 1 ) Reporting inaccurate information. 
XXXX XXXX XXXX Account Number : XXXX Error : No validation provided within the FCRA timeframe. 
Relief Sought : Delete the account.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to verify disputed information within 30 days. 
XXXX Account Number : XXXX Error : Late payment history is inconsistent and illogical, showing all late payments under 30 days but none under 60, 90, or 120 days.

Relief Sought : Correct the payment history or delete the account.

Violation : FCRA 607 ( b ) Failure to ensure accurate reporting. 
XXXX  XXXX Account Number : XXXX Error : Inaccurate late payment history. 
Relief Sought : Delete the account.

Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX XXXX Account Number : XXXX Error : Reporting a past due balance on a collection account. 
Relief Sought : Delete the account. 
Violation : FCRA 623 ( a ) ( 1 ) Providing misleading information. 
XXXX XXXX Account XXXX : XXXX Error : Reporting a late payment or past due balance on a collection account. 
Relief Sought : Delete the account.

Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX Account Number : XXXX Error : Inconsistent late payment history. 
Relief Sought : Delete the account.

Violation : FCRA 607 ( b ) Failure to ensure accuracy. 
XXXX Account Number : XXXX Error : Inaccurate reporting of dates associated with the account. 
Relief Sought : Correct the dates or delete the account.

Violation : FCRA 607 ( b ) Inaccurate reporting. 
XXXX XXXX  Account Number : XXXX Error : Reporting a past due balance on a collection account and inconsistent late payment history. 
Relief Sought : Delete the account.

Violation : FCRA 623 ( a ) ( 1 ) Providing false information. 
XXXX XXXX Account Numbers : XXXX XXXX XXXX Error : Inconsistent reporting of the date of last activity. 
Relief Sought : Validate the debts or delete the accounts.

Violation : FCRA 607 ( b ) Failure to ensure accurate reporting. 
Specific FCRA Violations Failure to Investigate Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Credit reporting agencies must investigate disputes within 30 days. TransUnion has failed to investigate these disputes properly.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified within 30 days, it must be deleted. TransUnion continues to report unverifiable accounts.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Credit reporting agencies must ensure the accuracy of the information they report. The repeated errors violate this obligation.

Providing False or Misleading Information Violation : FCRA 623 ( a ) ( 1 ) Furnishers must report accurate information. The presence of incorrect details on my report constitutes misleading reporting.

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