Consumer complaint received 2024-03-18 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: CA

Complaint narrative:
Subject : Urgent : Continued Reporting of Inaccurate Information and Identity Theft Concerns Dear Consumer Financial Protection Bureau, I am writing to urgently bring to your attention a critical matter regarding unresolved disputes concerning certain collection and charge-off accounts on my credit report with TransUnion. Despite my repeated attempts to resolve these issues directly with TransUnion, I have encountered significant obstacles and have yet to see a satisfactory resolution. 

On XX/XX/XXXX, I initiated disputes with TransUnion regarding the following accounts : XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) - TransUnion Account # : XXXX XXXX. XXXX XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX XXXX. XXXX - TransUnion Account # : XXXX Despite the passage of the mandated 30-day period for investigating disputes, these items persist on my credit report. Additionally, I have received continued communication from collection companies associated with these debts, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).

I have diligently followed the established procedures for disputing inaccuracies on my credit report, including sending a certified letter under Section 609 of the Fair Credit Reporting Act ( FCRA ) to TransUnion on XX/XX/XXXX, providing documentation and evidence of the disputed items. However, I have yet to receive satisfactory responses or evidence of validation from TransUnion. 

This ongoing reporting of inaccurate and unvalidated information has caused significant harm to my credit standing and financial well-being. It is imperative that these disputed items be immediately removed from my credit report to rectify this situation. 

Furthermore, I am deeply concerned about TransUnions history of settlements and legal actions, including but not limited to : The Consumer Financial Protection Bureau and the Federal Trade Commission reaching a {$23.00} XXXX settlement with TransUnion for reporting inaccurate eviction records in tenant background screenings. 
TransUnion LLC facing a class action lawsuit alleging failure to protect the personal information of XXXX XXXX people affected by a XXXX data breach. The lawsuit, filed by XXXX XXXX, alleges XXXX negligent failure to encrypt sensitive information, implement reasonable security measures, carry out adequate analyses and testing of its systems, or properly train its workers. 

These incidents raise serious questions about XXXX commitment to protecting consumer data and accurately reporting credit information. 

I urge the Consumer Financial Protection Bureau to intervene on my behalf and compel TransUnion to take swift and appropriate action to resolve this matter. The continued reporting of inaccurate information not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.

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