Consumer complaint received 2024-08-10 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion regarding their refusal to investigate and correct inaccurate information on my credit report, as detailed in their recent message to me dated XX/XX/year>, under File Number : XXXX. 

Background : I recently initiated a dispute with TransUnion to correct inaccuracies in my credit report. However, I received a response from TransUnion stating that they did not process my request because they claimed it did not appear to come directly from me or a properly authorized third party. This is inaccurate, as I submitted the dispute myself and have not engaged any third-party services to handle my credit disputes. Furthermore, the inaccuracies on my credit report are having a significant negative impact on my credit score and my ability to secure a mortgage, as I am in the process of purchasing a home. 

Issues : 1. Failure to Conduct a Reasonable Investigation : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion is required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. TransUnions refusal to investigate based on their incorrect assumption that my request was not submitted directly by me is a clear violation of this provision. 

2. Right to Accurate Credit Reporting : The FCRA also stipulates that credit reporting agencies must report accurate information ( 15 U.S.C. 1681e ( b ) ). The inaccurate items on my credit report have not been addressed, despite my legitimate dispute. This failure to correct inaccurate information is damaging my creditworthiness and is preventing me from accessing essential financial opportunities. 

3. Potential Violation of Consumer Rights : TransUnions suggestion that I may be working with an unauthorized third party, and their failure to act on my legitimate dispute, not only delays the correction of inaccuracies but also implies a potential violation of my consumer rights under the FCRA. 

Requested Resolution : I am requesting the CFPBs assistance to ensure that TransUnion : 1. Immediately conducts a thorough and reasonable investigation into the disputed items on my credit report, as per FCRA requirements.

2. Corrects or deletes the inaccurate information from my credit report.

3. Provides a detailed explanation of the steps they took to investigate my dispute and the rationale behind their decisions. 

The inaccurate information on my credit report is unfairly hindering my ability to purchase a home, and I seek prompt resolution of this matter. 

Thank you for your attention to this issue. I look forward to your assistance in ensuring that my rights under the FCRA are upheld.

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