Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Dispute of Invalid Reporting & outdated unverified account of " XXXX  XXXX  XXXX  XXXX  '' pursuant to15 USC 1681s-2 ( a ) ( 1 ) and 15 USC 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act. 


I, XXXX XXXX XXXX is writing this statement to dispute a ongoing matter with Transunion that consist of the accuracy of information contained within my consumer report, specifically pertaining to the accou twitch XXXX XXXX XXXX, with the account number XXXX. Upon reviewing my consumer report, I discovered discrepancies that required immediate attention and resolution. According to the Fair Credit Reporting Actand the Fair Debt Collection Practices Act, consumers have the right to accurate and verifiable information on their credit reports. unfortunately, the information provided by transunionregarding the aforementioned account lacks sufficient evidence of verification and accuracy, thereby violating these rules and regulations. 

I would like to bring to your attention the following concerns : 1 ) Lack of Comprehensive Verification Method : Transunion failed to provide ALL relevant information regarding the method of verification used for the XXXX XXXX XXXX account. There was NO clear demonstration of how the accuracy of this account was verified, leaving me without proper justification for its inclusion on my consumer report. 

2 ) Absence of proof of Claim : Despite repeated inquiries, Transunion has not provided any evidence or proof of claim regarding the validity of the XXXX XXXX XXXX account. As a consumer, I have the right to request and received documentation supporting the accuracy of any reported account, yet no such documentation has been provided. 


3 ) Non-Responsive from XXXX XXXX XXXX : In a effort to resolve this matter, I took the initiative to contact XXXX XXXX XXXX headquarters directly via USPS certified mail : Tracking number is : XXXX XXXX XXXX XXXX XXXX XXXX. However, despite allowing ample time for response, over thirty days have passed without any acknowledgment or validation of the account in question. 

It is evident the Tranunion has failed to uphold its responsibilities in ensuring that accuracy and verification of information reported on my credit file. As a result, I urge you to take immediate action to rectify this situation by : 1 ) Conducting a thorough investigation into the accuracy and verification of the XXXX XXXX XXXX account. 
2 ) Providing me with all relevant documentation and evidence supporting the validity of the account. 
3 ) Deleting the disputed account from consumer report until all sufficient proof of its accuracy is provided. 
4 ) Taking measures to prevent similar inaccuracies from occurring in the future. 

Also, Transunion has violated the Fair Credit Reporting Act by continuing to update/modify '' XXXX XXXX XXXX '' last date of delinquency and/or last date of activity as to extend pass the required reporting period of 7 years. Furthermore, this account is associated with a address that the consumer has never resided at : XXXX XXXX XXXX XXXX MI XXXX. I have uploaded all proof and evidence of my dispute with this statement. 

I trust the Transunion will address this matter promptlyand in accordance with federal regulations. Failure to do so may result in further actionto protect my rights as a consumer. I appreciate your attention into this matter and look forward to a timely resolution.

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