Consumer complaint received 2024-11-26 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:
I am filing this formal complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with applicable federal laws under the United States Code ( USC ). Despite submitting a detailed dispute on XX/XX/scrub>XXXX XXXX regarding inaccuracies and unverifiable information in my credit report, TransUnion has failed to resolve or remove the disputed items. Their negligence in addressing these disputes demonstrates a clear disregard for consumer protection laws, causing significant harm to my financial reputation and violating federal mandates. 

Details of the Issue 1. Inaccurate and Unverifiable Accounts : TransUnion continues to report the following accounts with discrepancies across all three credit bureaus, reflecting inaccurate balances, payment statuses, and reporting dates : XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX and XXXX U.S. Dept of Ed Account : XXXX These discrepancies violate 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure maximum accuracy in reporting. Furthermore, the continued reporting of unverifiable information is a direct violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information. 

2

. Failure to Conduct a Proper Reinvestigation : TransUnion has failed to : Provide documentation verifying the accuracy of the disputed accounts. Detail the methods and processes used to verify the information, as required under 15 U.S.C. 1681i ( a ) ( 7 ).

3. Failure to Remove Unverifiable Information : Per 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified within the statutory timeframe must be promptly removed. TransUnions failure to delete unverifiable accounts is a willful breach of this mandate. 

4. Reporting Outdated and Irrelevant Personal Information : My credit report includes inaccurate personal information, such as outdated addresses and employers I have no association with. This violates 15 U.S.C. 1681c, which prohibits the reporting of obsolete and irrelevant information. 

5. Systemic Discrepancies Across Credit Bureaus : The same accounts report conflicting balances, statuses, and terms across XXXX, XXXX, and TransUnion. This inconsistency demonstrates systemic failures in compliance with 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of reported information.

6. Non-Compliance with UCC Article 9 ( Secured Transactions ) : TransUnions continued reporting of repossession-related accounts, including XXXX XXXX XXXX , without adequate documentation, violates the Uniform Commercial Code ( UCC ). Specifically : XXXX XXXX : Failure to produce the required Notice of XXXX and XXXX to Cure. 
XXXX XXXX : Lack of Notice of Sale documentation for the repossessed vehicle. 
XXXX XXXX : No evidence that the repossession was conducted in a commercially reasonable manner. 
XXXX XXXX : Failure to provide a detailed accounting of sale proceeds and application toward the debt. 
Impact on Me TransUnions failure to comply with federal and UCC mandates has caused : Severe damage to my credit score and financial reputation. 
Emotional distress, undue hardship, and obstacles in securing necessary credit. 
A significant delay in achieving financial recovery. 
Resolution Requested I request the CFPB to : Investigate TransUnions failure to comply with the FCRA, USC, and UCC.

Require TransUnion to : Remove all unverifiable accounts from my credit report within 14 days of receipt of this complaint.

Provide a detailed report of the reinvestigation process, including all documentation used for verification. 
Impose penalties on TransUnion for willful and negligent violations under 15 U.S.C. 1681n and 15 U.S.C. 1681o, as well as applicable UCC provisions. 
Supporting Documentation I have attached the following documents to substantiate my complaint : A copy of my dispute letter sent to TransUnion on XX/XX/year>. 
TransUnions inadequate response to my dispute.

Copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies and inaccuracies. 
I trust the CFPB will take immediate action to hold TransUnion accountable for its repeated violations of consumer protection laws. Failure to ensure compliance with federal and UCC regulations further demonstrates the need for strict enforcement and oversight. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX

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