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:
Issue Summary : I am filing this complaint against XXXX and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ), obstructive business practices, and failure to act in good faith. Despite submitting multiple disputes supported by sufficient documentation, XXXX continues to request redundant information and refuses to remove inaccurate items from my credit report. Similarly, TransUnion delayed resolving the same disputes for an unreasonable amount of time before finally deleting one item ( XXXX XXXX XXXXXXXX ). 

These failures demonstrate both agencies lack of compliance with the FCRA, which mandates timely, reasonable investigations and the maintenance of accurate credit information. Their inaction and repeated requests for the same documentation have caused financial harm, emotional distress, and damage to my creditworthiness. 

While I have attached the requested documentation again to XXXX, it is clear from past experience that this is part of their unfair and obstructive tactics designed to delay resolution. No other credit reporting agency ( CRA ) has subjected me to this level of obstruction. I am requesting CFPB intervention to address these violations and hold both agencies accountable. 

Violations and Relevant Laws : 1. Failure to Conduct Reasonable Investigations ( XXXX and TransUnion ) : FCRA 611 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' How This Applies : Both agencies failed to conduct reasonable investigations into my disputes : TransUnion : Took an unreasonably long time to resolve the dispute and only removed XXXX XXXX XXXX after multiple disputes. 
XXXX : Refuses to act, continues to request redundant information, and fails to conduct a reinvestigation despite having the same documentation that resolved the dispute with TransUnion. 
Supporting Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that CRAs must conduct meaningful reinvestigations rather than relying solely on furnishers. 
Relevance : Both agencies failed to conduct meaningful investigations and relied on inadequate responses from furnishers. 
XXXX. Failure to Maintain Maximum Possible Accuracy ( XXXX and TransUnion ) : FCRA 607 ( b ) - 15 U.S.C. 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' How This Applies : TransUnion : Allowed inaccurate information ( XXXX XXXX XXXX ) to remain on my credit report for an extended period, harming my creditworthiness. 
XXXX : Continues to report inaccurate information despite receiving sufficient documentation to verify its inaccuracy. 
Supporting Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs can not solely rely on furnishers and must independently verify disputed information. 
Relevance : Both agencies have relied on incomplete responses from furnishers, neglecting their duty to verify the accuracy of the information. 
XXXX. Failure to Provide Dispute Results and Transparency ( XXXX ) : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) - 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : " A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation... including a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided. '' How This Applies : XXXX has failed to clearly identify which disputes their responses address, how they investigated the disputes, or the procedure they used to verify the information. This lack of transparency violates my right to understand and respond to their findings. 

XXXX. Unfair Business Practices ( XXXX and TransUnion ) : The repeated requests for the same documentation, unreasonable delays, and refusal to act indicate a pattern of obstructive and unfair business practices. These actions impose an undue burden on consumers and undermine the purpose of the FCRA. 

Evidence : TransUnion Results : Confirmation of the removal of XXXX XXXX XXXX demonstrating the validity of my dispute and the failure of XXXX to act similarly. 
XXXX  Correspondence : Multiple emails requesting the same documentation I have already provided, highlighting their obstructive tactics. 
Please Review Previous CFPB Complaint Submissions for proof that I provided all requested information.

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