Consumer complaint received 2024-11-24 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: IN

Complaint narrative:
Subject : Immediate Deletion of Inaccurate Accounts under 15 U.S.C. 1681e ( b ) To : CFPB and Credit Reporting Agencies ( XXXX, XXXX, TransUnion ) Dear CFPB, I am writing to formally demand the immediate deletion of three negative charge-off accounts from my credit report due to significant inaccuracies and discrepancies. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation by the Furnisher [ 15.U.S.C1681s-2 ] furnishers must investigate disputes referred by credit bureaus and correct or delete inaccurate information in which they responded that it was accurate and verify which that was not the case the inaccuracies still remain both TransUnion and the furnishers did not do their proper investigation in this case TransUnion and the Creditors violate 15 U.S.C. 1681s-2 [ b ]. Reporting Inaccurate or Misleading Information continually reporting the same Charge Off monthly, especially if it is Inaccurate or Misleading, violates their duty to ensure accuracy and completeness under 15 U.S.C.1681s-2 [ a ]. even the account numbers are all different inaccuracies on payment history it says no payment history on TransUnion while on XXXX it's stated-you have made 43 % of Payment for this account and on XXXX also stated you've made 39 % of payment for this account on time here is my point all these are Inaccurate and it has hurt my credit and has mentally these don't lie very clear inaccuracies, yet TransUnion refuses to do the proper investigation after requesting over and over and over agin to reinvestigate TransUnion failure to investigate properly my Disputes Credit Bureau must investigate Disputes with 30 day 15.U.S.C 1681 [ a ] [ 1 ] [ a ] .If they didn't verify the information properly or rely solely on the furnisher 's response without independent verification, they vote the FCRA. 




Despite my repeated disputes, these accounts continue to be inaccurately reported. This failure to address the inaccuracies violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of all information reported.

Summary of Violations 1. Violation of 15 U.S.C. 1681e ( b ) : The credit bureaus have failed to ensure maximum possible accuracy.

Discrepancies in dates, charge-off reporting, and other inaccurate details remain unresolved, causing substantial harm to my creditworthiness.

2. Violation of 15 U.S.C. 1681s-2 ( b ) : The furnishers of information ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have not properly investigated or corrected errors despite multiple disputes.

They have misleadingly reported charge-offs as recurring monthly events, creating a false appearance and damaging my credit profile.

3. Repeated Failures to Investigate : I have contacted the credit bureaus at least six times regarding these inaccuracies. Despite providing detailed evidence, the issues remain unresolved, demonstrating noncompliance with the FCRA. 




Impact of Inaccuracies The continued reporting of incorrect information has caused significant harm, including but not limited to : Defamation of Character : The false and misleading information harms my reputation.

Damage to Creditworthiness : These inaccuracies have severely impacted my ability to access credit.

Damage to Reputation and Mode of Living : The inaccuracies have disrupted my financial stability and caused emotional distress.

Infringement of Privacy Rights : The repeated reporting of inaccurate information violates my privacy rights under the FCRA. 


Warning of Legal Action If these accounts are not deleted immediately, I will pursue legal action for the following violations : Permissible Purpose Violations under the FCRA. 

Defamation of Character.

Damage to Reputation and Creditworthiness.

Infringement of Privacy Rights.

Requested Resolution I demand the following : 1. Immediate Deletion of all three negative charge-off accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX from my credit report. 


XXXX. Written assurance from the credit bureaus and furnishers that they will comply with their legal obligations under the FCRA. 


XXXX. A full investigation by the CFPB into these ongoing inaccuracies to enforce compliance with the FCRA. 



Supporting Documentation I have attached copies of my credit report, highlighting the inaccurate information and prior evidence submitted during my disputes. 

Conclusion The continued failure to correct these errors violates the FCRA and has caused significant harm to my creditworthiness, reputation, and financial stability. I urge the CFPB to investigate this matter immediately and ensure the deletion of these inaccurate accounts. If these accounts are not deleted promptly, I will have no choice but to pursue legal action. 

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 non-monetary relief