Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint to address TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a recent dispute I submitted regarding inquiries on my credit report. TransUnion has failed to verify the accuracy of the information I disputed and continues to report inaccurate, incomplete, or unverifiable information. 

Background : I recently filed a dispute with TransUnion regarding multiple inquiries on my credit report, requesting verification that these inquiries were made with my authorization or under a permissible purpose, as required by the FCRA ( 15 U.S.C. 1681b ).

In response, TransUnion sent me a letter explaining that inquiries remain on my report for two years and suggested I contact the companies responsible for the inquiries directly. TransUnion also provided a generic description of their dispute procedure, stating that they contact the data furnisher to verify the information, update their records accordingly, and send me the results of the investigation. 

Issue : TransUnions response is inadequate and fails to meet their obligations under the FCRA. Specifically : 1. Failure to Provide Verification : Simply sending a letter explaining their general process does not satisfy their duty to conduct a reasonable investigation under 15 U.S.C. 1681i. TransUnion has provided no evidence or documentation proving that the inquiries were made with permissible purpose or my consent.

2. Inaccurate and Unverified Reporting : TransUnion continues to report inquiries that they know are inaccurate, incomplete, or can not be verified. This is a direct violation of their responsibilities under the FCRA, which requires that credit reporting agencies report only accurate and fully verifiable information.

3. Shifting the Burden : By suggesting that I contact the companies directly, TransUnion is effectively shifting their responsibility to me. The FCRA requires credit reporting agencies to verify the disputed information themselves, not to rely solely on the statements of the furnisher or pass the burden of proof onto the consumer. 

FCRA Violations : TransUnions actions ( and inaction ) represent the following violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : TransUnion did not properly verify whether the disputed inquiries were made with permissible purpose, nor did they remove the inquiries when unable to verify them.

Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion is knowingly lol reporting inaccurate or unverifiable information.

Failure to Verify or Correct Information ( 15 U.S.C. 1681s-2 ( b ) ) : TransUnion failed to remove the disputed inquiries or provide documentation proving their accuracy and permissible purpose.

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