Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have proof that you are - Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct error.

- Failed to respond to disputes within 30 days ( 15 additional days if sent additional info ) - Failed to provide ( If requested after verification ) the method of verification. Including the real name, address, and phone number of furnisher within 15 days of my request.

- Failed to provide all relevant information ( documents proving my case ) to the furnisher, when reasonable means to do so are available.

Ive disputed with you for 4 months now, and this company still chooses to violate the FCRA. You have selectively responded to a few disputes I have sent you! You havent validated my previous request, and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I have exhausted all of my options in trying to resolve the account issues listed in letters. I have clearly taken facts from my reports and sent you physical proof of your false reporting, which the creditor claims they have no knowledge of. How is that possible when Ive sent you 40 pages of evidence, which leaves me to believe you are purposely withholding this from the furnisher. Your reckless false reporting is preventing me from receiving the financing I need to have a reliable means of transportation. I will not simply give up or give in, I deserve to have an accurate report and will hold you accountable for financial and emotional harm done to me as well as the illegal reporting on my report. I demand these accounts be removed from my credit Report. 

I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) committed by Portfolio Recovery They have failed to comply with federal regulations by reporting inaccurate, unverifiable, and misleading information on my credit reports despite multiple disputes sent via certified mail. These violations have negatively impacted my credit score and my ability to obtain credit.

I have attached copies of my credit reports ( from IdentityIQ ), certified mail receipts, dispute letters and their responses as evidence. Below is a summary of the violations : Violations : 15 U.S.C. 1681i Failure to properly reinvestigate disputed information and failure to consider all consumer-provided evidence.

15 U.S.C. 1681i ( a ) ( 2 ) Failure to notify furnishers of disputed information within five business days.

15 U.S.C. 1681i ( a ) ( 5 ) Failure to promptly delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of reinvestigation procedures within 15 days of request.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy in reporting.

15 U.S.C. 1681g Failure to disclose complete file upon request.

15 U.S.C. 1681s-2 ( b ) Continued reporting of inaccurate information despite disputes and failure to correct errors.

15 U.S.C. 1681c ( f ) Re-aging an account by changing the Date of Last Activity ( DLA ).

15 U.S.C. 1681i ( c ) Failure to mark accounts as disputed.

15 U.S.C. 1681s-2 ( b ) Re-aging account by updating Date of Last Activity ( DLA ) improperly.

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