Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXX for Violation of Texas Finance Code and Inaccurate Credit Reporting.

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for potential violations of the Texas Finance Code, specifically Chapter 392 related to debt collection and the surety bond requirement as outlined in Section 392.101. Additionally, I would like to address the specific inaccuracies in the credit reporting practices by XXXX XXXX XXXX XXXX on my TransUnion credit reports.

According to Section 392.101 of the Texas Finance Code, a third-party debt collector or credit bureau is prohibited from engaging in debt collection activities unless they have obtained a surety bond issued by a surety company authorized to do business in the state. The bond must be in favor of any person who is damaged by a violation of the chapter and the state for the benefit of any person who is damaged by a violation of the chapter. Furthermore, the bond must be in the amount of {$10000.00}. 

I demand that XXXX XXXX XXXX XXXX provide proof of the surety bond required by Section 392.101 of the Texas Finance Code to collect on this debt and report this account to the credit bureaus. Additionally, I demand that this account be deleted for inaccurate reporting. The following specific inaccuracies are present in the credit reporting by XXXX XXXX XXXX XXXX on my TransUnion credit reports : The payment status of the account is showing as 30 days late, despite the payment history from XX/XX/year> to XX/XX/year> indicating that the account was never late. ( See attached documents ) These inaccuracies are damaging my credit score and financial reputation, and I request immediate correction and deletion of this inaccurate information. 

Furthermore, I believe that XXXX XXXX XXXX XXXX and TransUnion may be violating several federal laws by continuing to report conflicting and inaccurate information on this account after it has been disputed. These potential violations may include but are not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I urge the Consumer Financial Protection Bureau to investigate XXXX XXXX XXXX XXXX and TransUnion for potential violations of federal laws and inaccurate credit reporting practices. I request that appropriate enforcement actions be taken to rectify the situation and protect consumers ' rights. Despite multiple disputes raised with TransUnion and XXXX XXXX XXXX XXXX, the inaccuracies persist, highlighting the urgent need for corrective action and accountability in accordance with consumer protection regulations. 

I have attached relevant documents and information to support my complaint. Please feel free to contact me if you require any further details. 

Thank you for your attention to this matter.

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