Consumer complaint received 2024-06-10 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: FL

Complaint narrative:
Subject : Continued Inaccuracies in Credit Reporting - Request for Immediate Removal of Inaccurate Account To Whom It May Concern, I am writing to formally file a complaint against the credit bureaus for their continued failure to correct and remove inaccurate information regarding the following account on my credit report : Account Name : XXXX Despite multiple disputes filed under the Fair Credit Reporting Act ( FCRA ), the credit bureaus persist in reporting inaccuracies related to this account. Specifically, the following inaccuracies remain : Incorrect status Incorrect reporting Incorrect balance This situation violates several provisions of the FCRA. I request the credit bureaus to permanently remove this account from my credit report due to the failure to validate the charges properly during their investigation. 

Violations and Relevant Laws 15 U.S. Code 1681e ( b ) : Accuracy of Report Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Despite my dispute, the credit bureaus continue to report inaccuracies, which is grounds for deletion.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusions The term " consumer report '' does not include certain types of information, such as transactions or experiences between the consumer and the person making the report. 
15 U.S. Code 1681s2 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies 15 U.S. Code 1681i : Procedure in Case of Disputed Accuracy 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion or Correction If an item is found to be inaccurate or can not be verified, it must be deleted or corrected by the credit reporting agency. In this case, I request deletion of the account.

15 U.S.C. 1681s-2 ( b ) ( 1 ) : Responsibilities of Furnishers Furnishers must conduct an investigation when they receive a notice of dispute from a credit reporting agency. If the information is found to be inaccurate, they must notify all credit reporting agencies to which they provided the information. 
Additionally, if XXXX has reported a balance for a debt that was charged off and potentially canceled ( as evidenced by a Form 1099-C ), this constitutes inaccurate reporting. 

Request for Permanent Removal Due to the multiple violations and the significant harm these inaccuracies have caused to my creditworthiness, I request the following resolutions : Immediate and permanent removal of the inaccurate account from my credit report.

Notification once the inaccurate account is removed.

Rectification of any negative impact on my credit score and restoration to reflect my true creditworthiness. 
Thank you for your prompt attention to this matter.

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