Consumer complaint received 2024-03-31 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: GA

Complaint narrative:
I am writing this letter to highlight a serious concern regarding the inaccurate reporting and non-compliance with federal consumer laws by Transunion. It has come to my attention that despite my previous request for a reinvestigation of an account with XXXX # XXXX XXXX, the information remains inaccurate and unchanged on my credit report. I firmly believe that this disregard for consumer rights and failure to comply with relevant laws is unacceptable, and I demand immediate action to rectify this matter. 

On XX/XX/XXXX, I reviewed my credit report and identified discrepancies related to the mentioned account. In response, I promptly sent a letter to Transunion on XX/XX/XXXX, requesting a reinvestigation of the account and the necessary corrections. Regrettably, the investigation conducted by Transunion, as stated in their response on XX/XX/XXXX, falsely claimed that the accounts are complete and accurate. However, upon reviewing my credit report, I discovered that the information remains unchanged and continues to be reported incorrectly. 

This blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i ( 5 ), is deeply concerning. According to this provision, if an item of information is found to be inaccurate, incomplete, or unverifiable after a consumer 's dispute and subsequent reinvestigation, the consumer reporting agency must promptly delete or modify that information based on the results of the reinvestigation. 

Additionally, the consumer reporting agency must promptly notify the furnisher of the information about any modifications or deletions made to the consumer 's file. Transunion 's failure to adhere to these legal obligations is a clear breach of consumer rights. 

Furthermore, under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. By inaccurately reporting and failing to correct the information despite being notified of the errors, Transunion is directly contravening this provision. 

In addition, 15 USC 1681s-2 mandates that a person shall not furnish inaccurate information relating to a consumer to any consumer reporting agency, especially when the person has received notice from the consumer that specific information is inaccurate. Transunion 's non-compliance with this section of the law, despite being notified of the inaccuracies, is deeply troubling and further compounds the severity of this matter. 

It is evident that Transunion has not conducted a proper reinvestigation, as claimed in their response. This misleading information provided on an official document constitutes a serious violation of federal consumer laws. I am prepared to present the evidence I have gathered to substantiate my claim and hold Transunion accountable for their actions. 

In light of the aforementioned violations and the evidence at hand, I demand that Transunion immediately rectify the inaccuracies in the reporting of the account with XXXX # XXXX XXXX. As stipulated by the FCRA, I expect that the item of information in question is promptly deleted or modified based on the outcome of a thorough and unbiased reinvestigation. Additionally, I request that Transunion promptly notifies the furnisher of the information about the necessary modifications or deletions made to my file. 

Transunion of its legal obligations under federal consumer laws and expect full compliance within 30 days of receiving this letter. Failure to address and correct these inaccuracies promptly will leave me with no choice but to escalate this matter further. 

I will not hesitate to exercise my rights by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and engaging legal representation to seek appropriate remedies. 

I trust that Transunion will handle this matter with the utmost seriousness and urgency it deserves. I anticipate a prompt and satisfactory resolution to rectify the inaccuracies on my credit report. I request that all future correspondences regarding this matter be in writing and sent to the address mentioned above. 

Thank you for your immediate attention to this issue. I look forward to receiving a written response within 30 days, outlining the actions taken to address and resolve this matter.

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