Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing to demand immediate and thorough investigation and correction of multiple violations found in my credit report. The false and inaccurate information reported by TransUnion has had a significant and negative impact on my financial status, and I am requesting that you comply with the Fair Credit Reporting Act ( FCRA ) and Texas State Consumer Protection Laws by providing me with a detailed investigation of these violations. 

List of Violations and Issues to be Investigated : XXXX XXXX XXXX Charge-Off Misreporting Violation : XXXX XXXX XXXX has reportedly marked an account as both " paid in full '' and a " charge-off '' with an outstanding past due balance that does not accurately reflect the true status of the account. This type of reporting error violates FCRA 1681s-2, which mandates that creditors must report accurate and complete information to credit bureaus. 
Consumer Impact and Previous Complaints : Other consumers have expressed similar issues regarding XXXX XXXX XXXX and its inaccurate reporting of charge-offs, with accounts marked as " paid in full '' but also tagged as " charge-offs. '' This miscommunication or failure to update account statuses correctly is a common complaint, especially among consumers with auto financing or lease agreements. 
Legal Precedents and Impact : Such misreporting can severely harm a consumer 's credit standing. There have been complaints and potential investigations that suggest XXXX XXXX XXXX might have been subject to legal scrutiny due to its failure to accurately report account statuses, which is a breach of the Fair Credit Reporting Act ( FCRA ). Consumers have expressed concerns about the lasting negative effects of such errors, which include difficulties in obtaining new credit or securing favorable terms for loans. 
Impact Under FCRA 1681s-2 : Under FCRA, XXXX XXXX XXXX is required to report accurate information to credit bureaus. If a consumer 's account is marked incorrectly, as in my case, it could lead to legal actions or disputes, especially if the information is not promptly corrected. Repeated failure to do so could expose XXXX XXXX XXXX to potential fines and civil penalties. The FCRA also gives consumers the right to dispute inaccuracies, and if the disputes are not properly addressed, consumers can seek remedies, including damages. 
Demand : I demand that you investigate and correct this inaccurate reporting immediately. 
Dispute Investigation Failures Violation : Information previously disputed in my credit report remains " unchanged '' without proper investigation, suggesting that TransUnion has failed to comply with FCRA 1681i, which requires credit bureaus to thoroughly investigate disputes. 
Demand : I demand that you fully investigate all disputed items and correct any inaccuracies found during this process. 
Improper Collection Reporting by XXXX XXXX XXXX Violation : XXXX XXXX XXXX reported inaccurate debt ownership and amounts, marking a debt as " in collection '' without proper verification of debt ownership. 
Based on consumer complaints and data related to XXXX XXXX XXXX 's reporting practices, the issue of improper collection reporting has been raised by several consumers, and it appears to be a broader issue : XXXX XXXX XXXX - Inaccurate Debt Ownership and Reporting : Consumers have reported discrepancies involving XXXX XXXX XXXX, where the company listed collection accounts without clear verification of debt ownership. These issues often involve the misreporting of amounts owed or the ownership of debts by third-party debt collectors, which violates FCRA 1681a ( d ) that mandates accurate reporting of collection accounts. 
Deceptive Practices : Several consumer complaints have detailed situations where XXXXXXXX XXXX reporting of debt ownership has been unclear, especially regarding how debts are transferred or sold between entities. Misreporting the debt ownership could lead to violations of FCRA 1681s-2, which mandates that creditors must provide accurate information to credit reporting agencies. 
Regulatory Oversight : This type of misreporting has resulted in legal actions against the company in certain cases, where the failure to properly verify debts or provide correct debt ownership has been cited as deceptive, which could be considered a violation of the Texas Deceptive Trade Practices Act. 
Potential Impact on Consumers : The issue of improper collection reporting appears to affect multiple consumers, with recurring reports of incorrect debt ownership or amounts under XXXXXXXX XXXX name. Such misreporting could cause consumers significant harm, as inaccurate reporting on a credit file can lead to lowered credit scores, challenges in acquiring new credit, and potential legal action against the consumer. 
Demand : I expect a thorough investigation into this issue and full removal of any incorrect or unverifiable collection entries. 
Address and Employment Discrepancies Violation : My report contains outdated addresses and incorrect employer information. 
Legal Reference : Under FCRA 1681c, personal data must be kept up-to-date, and 1681g mandates accurate disclosure. 
Consumer Impact : These outdated entries have led to confusion and further inaccuracies on my credit report. 
Demand : Correct the outdated addresses and employer information immediately. 
There have indeed been consumer complaints related to TransUnion 's handling of outdated address and employment data : Address and Employment Discrepancies : Common Issue : Several consumers have raised concerns about outdated and inaccurate personal information, including addresses and employers, being reported on their credit reports by TransUnion. This includes situations where previous addresses were not updated or where outdated employer details persisted long after a consumer 's employment status changed. 
Legal and Consumer Protections : Such discrepancies could be a violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate and up-to-date information about consumers, including reporting current addresses and employment information as per FCRA 1681c and FCRA 1681g. This misreporting can also result in negative effects on consumers ' ability to obtain credit, as outdated or incorrect information could be used in decisions. 
Previous Complaints : These kinds of issues have led to widespread complaints, with consumers asserting that the continued use of outdated datasuch as addresses or employer namescould unfairly impact creditworthiness. In some cases, this has triggered disputes with TransUnion, where consumers have sought corrective actions for improperly reported information. 
Potential Violations : If TransUnion failed to correct outdated or incorrect personal data despite being notified through a dispute, this could also be a violation of FCRA 1681c, which prevents the reporting of outdated information. Moreover, the failure to accurately disclose all information to consumers during disputes ( as per FCRA 1681g ) could also be a significant breach. 
Demand : I request that TransUnion immediately correct outdated or incorrect personal data on my report, as this issue appears to be systemic and affects multiple individuals. 
The only current information that should appear on my credit report is : Current Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX LICENSE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Sharing Violations Violation : It appears that TransUnion has faced consumer complaints regarding third-party sharing violations, specifically in instances where unverified or outdated data has been shared with third parties. Some examples include : Third-Party Data Sharing and Complaints : Unauthorized Access : Consumers have reported instances where TransUnion shared personal information with unauthorized third parties, or did so without clear verification of the data, which is a direct violation of FCRA 1681b. This section mandates that consumer data may only be shared with entities that have a legitimate need for it. 
Data from Inaccurate Sources : Complaints also detail instances where TransUnion disclosed inaccurate or outdated data to third parties, which could lead to privacy violations and potential legal action under both FCRA and Texas Business & Commerce Code 521.101. 
Legal Precedents : There have been instances in which consumers have raised concerns about TransUnion 's handling of sensitive information when it was improperly shared with third parties, leading to adverse effects, such as incorrect credit decisions or unauthorized credit inquiries. 
Consumer Impact : Such unauthorized or improper sharing of personal data can result in privacy violations and potential identity theft risks. If TransUnion failed to verify or handle sensitive information properly before sharing it, it could expose consumers to significant harm, as evidenced by prior consumer complaints. 
Demand : I require an explanation regarding these issues and expect a thorough investigation into your third-party data sharing practices. 
Repeated Inaccurate Reporting of Delinquent Accounts Violation : TransUnion has faced consumer complaints regarding repeated inaccurate reporting of delinquent accounts. This issue has affected consumers when accounts that were paid or closed were reported inaccurately as still being delinquent, which contradicts the actual status of the account. 

Impact on Consumers : The most significant impact reported by consumers is that TransUnion repeatedly flagged accounts as delinquent or charged off even after they were paid or settled, especially with XXXX  XXXX, XXXX XXXX XXXX, and other creditors. Consumers have noted that their credit reports still showed delinquent accounts despite the payments being made, leading to denied credit applications or higher interest rates due to the erroneous reports. 
These inaccuracies can violate FCRA 1681s-2, which mandates that creditors and credit reporting agencies must report accurate information. Misreporting an account as delinquent or charge-off, despite it being paid or settled, could mislead lenders or other third parties, affecting a consumer 's ability to secure future credit. 
Common Complaints : Delinquent Accounts Marked " Paid '' or " Closed '' : Even when payments were made, accounts like those with XXXX  XXXX and XXXX XXXX XXXX were marked as " charged off '' or " delinquent, '' despite the actual status being paid in full. These discrepancies can be noticed on the report history for long periods ( sometimes even for years after payment ). 
Failure to Correct Information : Consumers have raised concerns that TransUnion failed to update or correct these accounts after disputes, leaving them with inaccurate information on their credit reports. 
Legal Recourse : If this misreporting was not promptly corrected, it could lead to civil lawsuits under the Fair Credit Reporting Act ( FCRA ), with consumers having the right to seek damages for incorrect credit reporting that harms their financial standing. 
Request for Immediate Action : In accordance with the FCRA and Texas Business & Commerce Code, I demand that you initiate a thorough investigation into these discrepancies and provide me with a detailed report of your findings. This includes clear and detailed documentation of the steps taken to correct each issue and verification of the accuracy of the information reported. 

If you fail to address these issues promptly and thoroughly, I will have no choice but to notify the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office of your failure to comply with federal and state consumer protection laws. I will also consult my private attorney to explore all legal remedies available to me, including but not limited to, civil damages and any statutory penalties permitted under the FCRA and Texas law. 

Please be advised that my financial status has been severely impacted by the false reporting and the failure to correct it. This situation has caused considerable distress, and I will not hesitate to take further action if this matter is not resolved expeditiously. 

I expect a prompt response and resolution. All findings must be sent to my contact information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Sincerely, XXXX XXXX

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