Consumer complaint received 2024-12-06 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: MS

Complaint narrative:
On XX/XX/year>, I reviewed my credit report and found several inaccuracies and incomplete information. That same day, I sent a dispute letter to TransUnion, requesting an investigation to ensure the reports completeness and accuracy. However, when I received their response, I noticed that no corrections were made. This failure to address the inaccuracies violates federal law. 
Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. The statute states : ( b ) Accuracy of report 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. 

Despite my dispute, TransUnion did not fulfill this obligation. 

I then requested a description of their investigation process, as required under 15 USC 1681i ( 7 ) : ( 7 ) Description of the investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

TransUnion failed to provide this information within the legally required timeframe, further demonstrating non-compliance. 

Additionally, TransUnion is in violation of 15 USC 1681i ( 5 ), which states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Furthermore, under 15 USC 1681s-2, furnishers of information are prohibited from reporting inaccurate data to consumer reporting agencies. The statute specifies : ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The fact that I pulled my report today and the same inaccuracies and incomplete information remain highlights TransUnions continued failure to comply with federal law. 

TransUnions failure to correct these issues is not only unfair but raises serious concerns about the treatment of other consumers facing similar challenges. I respectfully request immediate resolution of this matter and full compliance with federal law.

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