Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., specifically XXXX ( b ) ( failure to maintain maximum possible accuracy ) and XXXX ( failure to conduct a proper reinvestigation ). 

Equifax and TransUnion have failed to remove or correct inaccurate, incomplete, and unverifiable information from my credit report, despite multiple disputes being sent in compliance with the XXXX and XXXX XXXX XXXX Standards. This failure to comply constitutes willful non-compliance and negligence, entitling me to statutory and actual damages per 15 U.S.C. XXXX and XXXX. 

Violations and Issues : Failure to Verify Information Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( XXXX XXXX : I disputed inaccurate items, requesting original source documentation for verification. 
Equifax and TransUnion responded with generic form letters stating that the disputed information had been verified without providing proof of such verification. 
This constitutes a willful failure to conduct a reasonable reinvestigation, violating XXXX  XXXX ( a ) ( XXXX ) ( XXXX XXXX 
Failure to Provide Original Documents as Required by FRE Rule XXXX ( Best Evidence Rule ) : I specifically requested the original signed contract, billing statements, and proof of ownership of the alleged accounts. 
Both bureaus failed to provide any original documentation from the data furnisher. 
The use of mere " data matching '' without original documents violates Federal Rules of Evidence ( FRE ) Rule XXXX and renders any verification insufficient. 
Failure to Maintain Maximum Possible Accuracy Under 15 U.S.C. XXXX ( b ) : Equifax and TransUnion continue reporting unverified and inaccurate data, including accounts lacking substantiation from the original creditor. 
They have knowingly allowed erroneous data to remain on my report without legitimate verification, which constitutes gross negligence under the XXXX 
Failure to Investigate and Respond to Dispute in Compliance with 15 U.S.C. XXXX ( XXXX XXXX ( 2 ) : The dispute process was inadequate, failing to properly investigate within the required XXXXday timeframe. 
The bureaus did not engage in a meaningful review of the evidence I provided and instead relied on automated systems ( e-OSCAR ) to verify disputed accounts, which is not a legally compliant reinvestigation under the XXXX 
Failure to Correct and Delete Inaccurate Information Per 15 U.S.C. XXXX ( a ) ( 5 ) : Because the bureaus could not verify the disputed accounts with documentation, they were legally obligated to delete or correct the disputed information, which they failed to do. 
Certificated Security Holder Violation : I am the certificated security holder of my credit profile and have the right to determine its accuracy. 
The failure to provide proper validation constitutes an unlawful injury to my consumer credit rights.

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