Consumer complaint received 2025-02-19 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: UT

Complaint narrative:
Follow-Up Dispute Verification - Failure to Comply with FCRA and this is the proof than show the violation Totally all law written to FCRA Section 611, FCDRA AND TILA, DELETE INMEDIATLY THE FOLLOWING ACCOUNT : I am writing to formally THIS COMPLAINT the accuracy of information PERSIST IN THE ACCOUNT AND THE bureau has verified on my credit report regarding the following account : LIST ALL ACCOUNT YOU WANT REMOVE HERE : Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Disputed Accounts & Inaccuracies XXXX  ( Account # : XXXX ) Issue : Reported as Charge-Off, but balance shows {$0.00} If there is no outstanding balance, the account should not remain in charge-off status. 
Violation : Failure to update correct payment status under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  XXXX ( Account # : XXXX ) Issue : Incorrect balance reported as {$470.00}, despite the account being closed and settled. 
Violation : Inconsistent information across bureaus, violating FCRA verification standards. 
Requested Action : Remove or correct the balance discrepancy to reflect the accurate reporting. 

XXXX XXXX XXXX ( Account # : XXXX ) Issue : Reported as Charge-Off, but the creditor failed to provide proper verification of the debt. 
Violation : Under 15 U.S.C. 609 ( a ) ( 1 ) ( A ), the original signed contract must be physically verified before an account is reported as derogatory.

Requested Action : Remove this account immediately due to lack of proper validation.

Legal Violations and Non-Compliance with Federal Law Failure to Investigate Accurately ( 15 U.S. Code 1681i ) The credit bureau did not conduct a thorough investigation within the mandated 30-day timeframe, nor did the results adequately address my concerns.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) The credit bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of my report.

Duties of Furnishers of Information ( 15 U.S. Code 1681s-2 ) The furnishers of the disputed information failed to properly investigate and rectify the inaccuracies after being notified of my dispute.

Verification Issues ( 15 U.S. Code 609 ( a ) ( 1 ) ( A ) ) The credit bureau must verify accounts through original documentation. No valid proof has been provided to support the disputed accounts.

Failure to Provide Investigation Details ( 15 U.S.C. 1681i ( 7 ) ) The bureau failed to provide a description of their investigation within 15 days, as required under FCRA.

Transparency and Accuracy ( TILA, 15 USC 1601 ) The reported information has not been accurate or transparent, violating my consumer rights.

Failure to Remove Inaccurate Information ( 15 U.S. Code 1681i ( a ) ( 5 ) ) If the bureau can not verify the disputed accounts, it is required by law to delete them immediately.

IMMEDIATE ACTION REQUESTED This dispute is now backed by FTC Report No. XXXX, meaning this case has been officially escalated to federal authorities. 

I request that the CFPB conduct an immediate investigation and take appropriate enforcement action against [ TransUnion/XXXX/XXXX  XXXX for non-compliance with the FCRA and TILA.

FINAL DEMAND : REMOVE THE DISPUTED ACCOUNTS IMMEDIATELY OR FACE LEGAL AND REGULATORY ACTION.

This is a direct violation of 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information . The accounts must be deleted immediately. 

Thank you for your attention to this matter. I look forward to your response.

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