Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
There are several inaccuracies on my consumer report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other consumer laws. TransUnion has consistently failed to comply with these laws, and I demand immediate corrective action. 

Failure to Provide Notice : TransUnion re-added the Account Resolution Corporation collection account without providing the legally required five-day notice by mail. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), this account must be immediately deleted from my consumer report.

FTC Report : TransUnion has failed to comply with the information in my FTC Identity Theft Report, claiming insufficient data. I provided all the required information as allowed by the FTC form. Other agencies have adhered to my FTC report, yet TransUnion continues to ignore it. 
Collections Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have not provided a valid purchase agreement or chain of title/assignment of debt agreement to prove they have the right to collect these debts. Without these, I am not legally obligated to pay. Additionally, XXXX XXXXXXXX is not licensed to collect in Florida, yet the account remains on my report, violating FCRA standards for accuracy and fairness. 
Credit Card Late Payments : TransUnion has failed to remove inaccurate late payments on my XXXX  XXXX, XXXX  XXXX, and XXXXXXXX XXXX XXXX  accounts. XXXX has already corrected the statuses to " current '' in adherence to 15 U.S. Code 1666b ( Timing of payments ), which prevents creditors from treating payments as late when made on time. TransUnion must follow suit and correct these inaccuracies. 
Other Accounts : XXXX and XXXX have removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report due to fraudulent, non-verifiable, or inaccurate information. Under 15 U.S. Code 1681i ( a ) ( 5 ) ( D ), when one consumer reporting agency deletes an account based on fraudulent activity or non-verifiable information, the other agencies are legally required to remove the same information. TransUnion must comply and remove these accounts from my report. 
Unauthorized Inquiries : Despite multiple requests, TransUnion has not removed unauthorized inquiries from XXXX XXXX and XXXX XXXX XXXX XXXX, as they were not authorized by me. 
I have previously requested a detailed description of your reinvestigation process, which you have failed to provide. I have contacted the Attorney General and am currently initiating legal action because I am tired of wasting my time while TransUnion does whatever it feels like without regard for my consumer rights. 

I demand prompt correction of these issues and the immediate removal of the disputed accounts from my consumer report

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