Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
This letter serves to document and escalate my ongoing efforts to address the inaccurate reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Despite repeated attempts to resolve this matter through proper channels, key issues remain unaddressed. Below, I outline the steps I have taken and the persistent violations under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. In XXXX, I initiated a dispute with TransUnion regarding inaccuracies in the reporting of my XXXX XXXX account. My dispute highlighted the following issues : Arbitration Clause Non-Compliance : XXXX XXXX violated their loan agreement by failing to initiate arbitration before reporting the account charge-off. 
Truth in Lending Act ( TILA ) Violations : The loan agreement lacked required disclosures of finance charges and repayment terms. Charge-Off Reporting Discrepancies : The reported charge-off balance was unsupported, and the account ownership was misrepresented as belonging to XXXX XXXX  despite being sold to Axiom Acquisition Ventures. TransUnions response concluded that the information was verified as accurate without addressing the specific concerns raised. I submitted a follow-up dispute letter to TransUnion reiterating my concerns and requesting : Documentation showing that arbitration was initiated or completed by XXXX XXXX before the charge-off. Disclosure of TransUnions investigation methods, as required under FCRA 611 ( a ) ( 7 ). An explanation of how the reported charge-off balance was calculated given the discrepancies in the account history. Despite providing new, relevant information, TransUnion refused to reinvestigate the dispute, citing their prior investigation. After receiving TransUnions inadequate response, I sent another dispute letter on XX/XX/year>, emphasizing : The continued misrepresentation of account ownership and lack of verification of XXXX compliance with arbitration requirements. TransUnions failure to provide a description of their investigation procedures or documentation submitted by XXXX XXXX. Violations of FCRA 1681e ( b ) ( accurate reporting ) and FCRA 611 ( a ) ( 1 ) ( reasonable reinvestigation ). 
Subject : Formal Dispute and Escalation Regarding Inaccurate Reporting of XXXX XXXX  Account ( # XXXX ) To Whom It May Concern, This letter serves to document and escalate my ongoing efforts to address the inaccurate reporting of my XXXX XXXX account ( # XXXX ) on my credit report. Despite repeated attempts to resolve this matter through proper channels, key issues remain unaddressed. Below, I outline the steps I have taken and the persistent violations under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Timeline of Actions Taken 1. Initial Dispute Submitted to TransUnion On [ Insert Date ], I initiated a dispute with TransUnion regarding inaccuracies in the reporting of my XXXX XXXX  account. My dispute highlighted the following issues : Arbitration Clause Non-Compliance : XXXX XXXX violated their loan agreement by failing to initiate arbitration before reporting the account charge-off. 
Truth in Lending Act ( TILA ) Violations : The loan agreement lacked required disclosures of finance charges and repayment terms. 
Charge-Off Reporting Discrepancies : The reported charge-off balance was unsupported, and the account ownership was misrepresented as belonging to XXXX XXXX despite being sold to Axiom Acquisition Ventures. 
XXXX response concluded that the information was verified as accurate without addressing the specific concerns raised. 

2. Follow-Up Dispute Letter to TransUnion I submitted a follow-up dispute letter to TransUnion on [ Insert Date ], reiterating my concerns and requesting : Documentation showing that arbitration was initiated or completed by XXXX XXXX before the charge-off. 
Disclosure of TransUnions investigation methods, as required under FCRA 611 ( a ) ( 7 ). 
An explanation of how the reported charge-off balance was calculated given the discrepancies in the account history. 
Despite providing new, relevant information, TransUnion refused to reinvestigate the dispute, citing their prior investigation. The continued misrepresentation of account ownership and lack of verification of XXXX compliance with arbitration requirements. TransUnions failure to provide a description of their investigation procedures or documentation submitted by XXXX XXXX. 
Violations of FCRA 1681e ( b ) ( accurate reporting ) and FCRA 611 ( a ) ( 1 ) ( reasonable reinvestigation ). Despite multiple attempts to resolve this matter : TransUnion has failed to address the specific concerns outlined in my disputes. They have refused to reinvestigate the matter despite new evidence, in violation of FCRA 611 ( a ) ( 1 ). They have not disclosed the investigation procedures or evidence used to verify the account, violating FCRA 611 ( a ) ( 7 ). They unlawfully removed my credit freeze without my consent, breaching FCRA 605A.

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