Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
To Whom It May Concern, This complaint builds upon my previous CFPB filings ( Complaint IDs : XXXX and XXXX ) and addresses a new fraudulent balance reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report. This ongoing issue demonstrates additional violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX, XXXX, XXXX, and now TransUnion. These violations have caused significant financial harm, emotional distress, and reputational damage, and I request immediate corrective action. 

Key Issues and Violations : New Fraudulent Balance Reported : As shown in the attached TransUnion report, XXXX has introduced a new balance of {$3600.00}, reflecting a {$5.00} decrease, even though the account remains disputed and unverifiable. 
This update violates FDCPA 1692g ( b ), which prohibits furnishers from reporting or collecting disputed debts without validation. 
Failure to Validate DebXXXX : XXXX has failed to substantiate the debt or new balance with any of the following, despite multiple disputes : The original signed agreement establishing the account. 
A detailed breakdown of the balance, including payments, fees, and interest. 
Documentation supporting the charge-off decision reported in XX/XX/XXXX. 
Without validation, the continued reporting of this account violates FDCPA 1692g ( b ) and FCRA 611 ( a  ), which require a reasonable investigation of disputes. 
Inconsistent and Conflicting Reporting Across CRAs : Each credit reporting agency ( CRA ) continues to report conflicting and unverifiable data, violating FCRA 1681e ( b ) : XXXX : Reports on-time payments from XX/XX/XXXX to XX/XX/XXXX, a charge-off in XX/XX/XXXX, and XXXX  days late in XX/XX/XXXX. 
XXXX : Reports on-time payments from XX/XX/XXXX to XXXX XXXX XXXX days late in XX/XX/XXXX, and no charge-off data for XX/XX/XXXX. 
TransUnion : Now reports a new balance update, further complicating the dispute, and reflects a XXXX decrease in my credit score. 
Mishandling of Disputes by CRAs : XXXX, XXXX, and TransUnion have failed to conduct reasonable investigations into my disputes, violating FCRA 611 ( a ). 
Despite my evidence and requests, none of the CRAs have reconciled the discrepancies or validated the reported account and balance. 
Omission of Key Account Information : All CRAs continue to redact account details, such as the full account number and contact information for XXXX, violating FCRA 609 ( a ) ( 1 ). 
Applicable Legal Precedents : The following case law demonstrates similar violations and supports my claims : Failure to Verify Reporting Accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : CRAs must conduct independent and reasonable investigations into disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs are liable for inaccuracies caused by their failure to verify data. 
Failure to Validate Debt : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Debt collectors must validate debts upon request and can not pursue collection until validation is provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : If furnishers can not validate or substantiate data, CRAs must delete or correct the information. 
Mishandling of Disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Failure to mark accounts as disputed misleads creditors and violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : CRAs must investigate disputes thoroughly. 
Consumer Damages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Consumers may recover compensation for emotional distress caused by inaccurate reporting. 
Damages Caused : Financial Harm : Lowered creditworthiness due to unverifiable reporting, resulting in higher borrowing costs, credit denials, and missed financial opportunities. 
Emotional Distress : Significant stress, frustration, and anxiety caused by unresolved disputes, the false reporting of a new balance, and harm to my financial reputation. 
Reputational Damage : The inaccurate information has created a false perception of financial irresponsibility, negatively affecting personal and professional relationships.

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