Consumer complaint received 2024-12-18 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: AL

Complaint narrative:
Recently I did an investigation on my credit report and found several items that are inaccurate. 

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I filed a CFPB complaint on 9-17-24. the complaint number is 240917-16084022. The issue was not resolved according to FCRA standards. They used 3rd party companies to verify information that I did not give consent to and they did not verify any information with the alleged creditor directly in accordance with it clearly states on Transunion 's website and other company information that they use third party data furnishers to report information. on the above complaint. Also Transunion uses EOSCAR to auto verify information from third party data furnishers. Transunion makes no reasonable effort verify that the information they get is accurate and factual. In the above complaint number Transunion failed to resolve the issue according to the law as written. The following items are still unverified by Transunion and need to be removed permanently from my report. Transunion gave a AI generated response to the CFPB complaint above and did not reach out to me to resolve the issue. Transunion needs to remove the disputed information and have it reflect it on my report Transunion Inaccurate Items Personal Information- Names- The following names listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file XXXX XXXX XXXX Should reflecXXXX XXXX XXXX XXXX only The following closed accounts listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Account has not been validated by and verified by Transunion by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account # XXXX Account has not been validated by and verified by Transunion by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, MI XXXX Account # XXXX Account has not been validated and verified by Transunion by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX Account # XXXX Account has not been validated and verified by Transunion by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with XXXX XXXX po box XXXX XXXX, NC XXXX Account # XXXX or XXXX Account has not been validated and verified by Transunion by creditor in accordance with 15 USC 1692g and other law applicable to consumer rights This is not an original creditor that I have any contract with The following Inquires listed are incorrect and has been reported inaccurately, without validation and without my knowledge and consent and needs to be removed from my credit file. I did not receive credit from the below listed companies. 

XXXX XXXX Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue CENTRALBANCOMPANY Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue XXXX XXXX XXXX on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue XXXX XXXX Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue XXXX XXXX XXXX XXXX OF XXXX Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue SYNCB/LOWES Inquired XXXX XX/XX/XXXX I also did not authorize for the inquiry or for it to continue TD AUTO FINANCE Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue TD AUTO FINANCE Inquired on XX/XX/XXXX I also did not authorize for the inquiry or for it to continue XXXX XXXX XXXX XXXX XX/XX/XXXX I also did not authorize for the inquiry or for it to continue

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