Consumer complaint received 2025-01-16 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: IN

Complaint narrative:
In XX/XX/year>, I requested Transunion to investigate the following accounts reporting on my personal credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX  ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Transunion 's initial response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Transunion never provided me with a description of their investigation, and still has yet to do so to this day. The Fair Credit Reporting Act ( FCRA ) demands that credit reporting agencies ( CRAs ) use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. Transunion failed to adhere to this law in four important ways : First, Transunion 's faulty intake procedures failed to accurately convey all relevant information regarding the dispute to the original furnisher of the disputed information ; additionally, Transunion failed to provide the furnishers with documentation submitted that supported the disputes ; Second, Transunion uncritically accepted the original furnishers response to the disputed information, even when that response was either improbable or illogical on its face or when Transunion had other information in its possession that alerted or should have alerted Transunion to the possibility that the furnisher might be unreliable ; Third, at the conclusion of its reinvestigation, Transunion sent notices that failed to inform me of the reinvestigation results, and instead provided information that was confusing, ambiguous, incorrect, and internally inconsistent ; Fourth, Transunion deliberately provided false and misleading information to the CFPB that it investigated my disputes, when in fact they never did. Transunion 's actions were an attempt to illegally evade responsibility for their lack of capacity to properly conduct an investigation into the disputed accounts. Transunion 's failures to properly investigate and provide me with the specifics of their investigation results are an abdication of its obligations under the FCRA and in direct violation of federal law ; 15 U.S.C. 1681i.

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