Consumer complaint received 2024-09-23 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: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against both transunion and XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my Transunion credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by TransUnion : Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Improper credit classification : TransUnion has this listed as a line of credit on my credit report, I never received or initiated aline of credit from XXXX XXXX. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting XXXX XXXX LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves XXXX XXXX XXXX. Despite this, TransUnion continues to list XXXX XXXX as the creditor, rather than XXXX XXXX XXXX, which inaccurately reflects the true status of the account. XXXX XXXX : The balance shown on my credit report does not match the XXXX XXXX XXXX XXXX is attempting to collect, adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with TransUnion over the phone on XX/XX/year>. However, my dispute was closed just 4 days later with XXXX of those days being Saturday and Sunday with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. TransUnion failed to conduct a thorough investigation into my claims. Due to this lack of diligence from TransUnion and the violation of my rights as a consumer under the FCRA, I am requesting the following : XXXX deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both TransUnion and XXXX XXXX XXXX, TransUnion for not conducting a proper investigation and violating my rights and XXXX XXXX XXXX for the harm caused by their shear disregard for the law. Both agencies allowing this violation has caused me XXXX  and XXXX XXXX  with the failure to properly investigate this matter. If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,

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