Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
# # # **Discrepancies and Violations Identified in the Credit Report** Based on the analysis of the provided TransUnion credit report, the following discrepancies and potential legal violations under the **FCRA, FDCPA, FTC Act, 1974 Privacy Act**, and relevant **CFR** provisions are identified : -- - # # # # **1. Inaccurate Reporting of Employment Information** - **Discrepancy** : The employer " XXXX  '' is misspelled ( no space ) and lacks verification dates. The entry for " XXXX '' lists an occupation as " XXXX  '' ( unclear acronym ) with a " Date Verified '' of XXXX, which is an invalid date ( XXXX was not a leap year ). 
- **Violation** : - **FCRA 623 ( a ) ( 1 ) ( A ) ** requires furnishers to report accurate information. Inaccurate dates or ambiguous entries violate this provision. 
- **15 U.S.C. 1681e ( b ) ** mandates that credit bureaus follow reasonable procedures to ensure maximum possible accuracy. 
- **Case Law** : - *XXXX v. Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Inaccurate reporting of employment or dates can render a credit report misleading, violating the FCRA. 

-- - # # # # **2. Unauthorized/Excessive Credit Inquiries** - **Discrepancy** : Multiple inquiries from entities like **XXXX** ( XXXX inquiries in XXXX ) and **TRANSUNION INTERACTIVE** ( repeated requests ) suggest potential impermissible access. 
- **Violation** : - **FCRA 604 ( a ) ( 3 ) ** permits credit inquiries only for permissible purposes ( e.g., credit applications, account reviews ). Excessive inquiries without consumer consent violate this. 
- **15 U.S.C. 1681b ( f ) ** prohibits obtaining a credit report under false pretenses. 
- **Case Law** : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Unauthorized inquiries constitute a concrete injury under the FCRA. 

-- - # # # # **3. Misrepresentation of Charge-Off Status** - **Discrepancy** : The XXXX XXXX XXXX account shows a `` Charge-off '' ( C/O ) status with a " Date Closed '' of XXXX but lists a " Last Payment Made '' on XXXX. Charge-offs typically occur after 180 days of delinquency, yet the timeline here ( 16 days between last payment and closure ) is implausible. 
- **Violation** : - **FCRA 623 ( a ) ( 5 ) ** requires furnishers to notify credit bureaus if an account is disputed. Misreporting payment timelines violates accuracy obligations. 
- **12 CFR 1022.42 ( a ) ** : Furnishers must investigate disputes and correct inaccuracies. 
- **Case Law** : - *XXXX  v. Trans Union Credit Information Co.XXXX XXXX XXXX XXXX. XXXX ) : Misreporting charge-off dates can constitute willful noncompliance under the FCRA. 

-- - # # # # **4. Failure to Investigate Consumer Dispute** - **Discrepancy** : The consumer statement asserts rights under **15 U.S.C. 1681a** and disputes unauthorized dissemination of credit data. There is no indication TransUnion investigated or resolved this dispute. 
- **Violation** : - **FCRA 611 ( a ) ( 1 ) ** requires credit bureaus to investigate disputes within 30 days. 
- **15 U.S.C. 1681i ( a ) ** : Failure to correct inaccuracies after dispute violates the FCRA. 
- **Case Law** : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Credit bureaus must conduct a reasonable reinvestigation of disputed items. 

-- - # # # # **5. Outdated Addresses and Phone Numbers** - **Discrepancy** : The report lists addresses from XXXX and multiple phone numbers, some likely outdated. 
- **Violation** : - **FCRA 605 ( c ) ** : Obsolete information ( older than XXXX XXXX ) must be excluded unless exempt. While addresses themselves are not " adverse, '' retaining outdated data could indicate poor accuracy practices. 
- **16 CFR 682.3** : Requires proper disposal of outdated consumer information. 

-- - # # # # **6. Privacy Act Implications** - **Discrepancy** : The consumer statement references the XXXX Privacy Act** ( 5 U.S.C. 552a ), which governs federal agencies. While TransUnion is not a federal entity, the statement implies potential misuse of non-public data. 
- **Violation** : - If TransUnion shared data with federal agencies without consent, this could implicate the Privacy Act. However, this is speculative based on the report. 

-- - # # # **Recommended Actions** 1. **File a Dispute** : Under **FCRA 611**, demand TransUnion correct inaccuracies in employment, charge-off dates, and inquiries. 
2. **Request Removal of Unauthorized Inquiries** : Cite *XXXX XXXX XXXX XXXX XXXX to challenge impermissible pulls. 
3. **Consult an Attorney** : Potential claims under **FCRA 616** ( willful noncompliance ) and ** 617** ( negligent noncompliance ) for statutory damages ( {$100.00} {$1000.00} per violation ) and punitive damages. 

This report suggests systemic issues with TransUnions compliance practices. Legal action may be warranted if unresolved.

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