Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to report significant inaccuracies in my credit reports from TransUnion, XXXX, and XXXX, which have caused serious harm to my financial well-being. Despite my consistent efforts to correct these errors, the credit bureaus have shown a blatant disregard for their legal obligations under the Fair Credit Reporting Act ( FCRA ), and I am now seeking your assistance in resolving this ongoing issue. 

On XX/XX/year>, I sent a letter to each bureau detailing inaccuracies in my personal information. I provided clear, verifiable identification documents, including my state ID, Social Security card, and proof of address. Despite this, I was informed that they could not verify that I initiated the disputes. 

On XX/XX/year>, XXXX responded by refusing to act on my dispute, claiming it did not appear to be sent by me. The next day, XX/XX/year>, TransUnion notified me that no changes were made due to potential fraud risks, suggesting I file a dispute online. In response, on XX/XX/year>, I sent another letter to all three bureausagain including my identificationrequesting a thorough investigation and correction. 

On XX/XX/year>, TransUnion once again inaccurately stated that the information was verified and accurate. XXXX repeated its claim that they did not believe I was the one filing the disputes, and XXXX has not responded since sending a letter around XX/XX/year>, questioning my identity. 

These actions, or lack thereof, by the credit bureaus constitute clear violations of the FCRA, particularly in their failure to ensure maximum possible accuracy of the information reported under 15 U.S.C. 1681e ( b ) and to conduct a reasonable reinvestigation of disputed information as required by 15 U.S.C. 1681i ( a ). Additionally, their failure to correct these inaccuracies has further violated my rights under 15 U.S.C. 1681i ( c ), which mandates that they must include a notice of dispute in any future reports. 

One of the most glaring errors involves XXXX missed payments being inaccurately reported as late, despite the account status being marked as closed. Each month, this ongoing error adds more late payments, severely damaging my credit score and violating the FCRAs requirements for accuracy and thorough investigation. 

I respectfully request that the CFPB hold these credit bureaus accountable for their non-compliance with federal law and ensure that the inaccurate information is removed from my credit reports immediately. The continued presence of these errors is not only unjust but illegal, and it is essential that these matters are resolved promptly. 

Thank you for your attention to this matter. I trust that with your assistance, these issues can be finally resolved.

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