Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
Summary of Issue : Failure to comply with the Fair Credit Reporting Act ( FCRA ) by not verifying or removing unverified and inaccurate collection account ( s ) despite multiple disputes. 

Description of Complaint : I am filing this complaint against TransUnion for their failure to comply with the FCRA in addressing the inaccurate and unverified collection account reported by XXXX XXXX XXXX ( Account No. XXXX ) on my credit report. Despite my repeated written disputes and requests for verification, TransUnion has consistently failed to comply with its legal obligations under the FCRA. 

Violations Include : 1. Failure to Conduct a Reasonable Investigation ( FCRA Section 611 ( a ) ( 1 ) ( A ) ) : Despite multiple dispute letters sent on XX/XX/year>, XX/XX/year>, and XX/XX/year>, TransUnion has not conducted a thorough investigation to verify the accuracy of the disputed account. 

2.Failure to Provide Original Documentation ( FCRA Section 609 ( a ) ( 1 ) ( A ) ) : TransUnion has failed to provide any original documentation, such as a signed consumer contract or proof of my liability for the debt, to validate the account. 

3. Failure to Provide Method of Verification ( FCRA Section 611 ( a ) ( 7 ) ) : My repeated requests for a detailed explanation of the verification process, including the name, address, and contact information of entities involved, remain unanswered. 

4.Failure to Remove Unverified Information ( FCRA Section 611 ( a ) ( 5 ) ( A ) ) : Federal law requires the immediate deletion of information that can not be verified. Despite their inability to provide proper documentation, TransUnion has continued to report the disputed account. 

5. Failure to Respond Within the Legally Mandated Timeframe ( FCRA Section 611 ( a ) ( 1 ) ) : TransUnion has failed to resolve my disputes within the 30-day period as required by law. 

6. Failure to Ensure Accurate Reporting Standards ( FCRA Section 623 ( a ) ( 1 ) ) : The creditor, XXXX XXXX XXXX, provided an incorrect mailing address, which obstructed my ability to contact them. TransUnions reliance on this inaccurate information constitutes a violation of the FCRAs accuracy requirements. 

Harm Caused : TransUnions actions have caused the following harm : 1.Significant damage to my credit score and financial reputation.

2.Emotional distress and frustration from their failure to comply with legal obligations.

3. Loss of time and resources in attempting to resolve this matter. 

Relief Requested : I respectfully request the following actions : Immediate removal of the unverified and inaccurate collection account ( XXXX XXXX XXXX, Account No. XXXX ) from my credit report. Written confirmation of the accounts deletion. Assurance of compliance with the FCRA and improved investigation practices to prevent future violations. 

Supporting Evidence : I have attached the following documents to support my complaint : 1. Copies of my dispute letters sent to TransUnion ( dated XX/XX/year>XXXX  ; XX/XX/year> ; and XX/XX/year>XXXX  ). 

2. Certified mail evidence and receipts showing TransUnions receipt of my disputes. USPS Certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX ( letter Dated XXXX ). USPS Certified Mail Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ( letter dated : XXXX ) 3. Documentation of TransUnions failure to provide verification or original documentation.

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 explanation