Consumer complaint received 2025-02-02 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: CA

Complaint narrative:
There is a report on my Transunion credit report that is reporting inaccurate information. XXXX reported that I was 30 days late on my auto account in XXXX. I disputed the account with Transunion and Transunion responded that the account came back verified and accurate. 

I then requested a reinvestigation of the account and submitted additional supporting documentation which substantiated that I was never late on the account. Transunion has not modified the account to reflect accuracy even though Transunion affirmed to the CFPB that the account is reporting accurate with no late payments. 

I contacted Transunion again and escalated the matter to a supervisor. I advised the supervisor that per the US Code, once a consumer provides additional information or documentation to substantiate the dispute, the bureau has a responsibility to modify it or delete it. 

The supervisor, XXXX XXXX in Special Handling Department, advised me on a recorded phone call that Transunion has no ability to modify or delete inaccurate information on a consumer 's credit report and that action must be taken by the original creditor. 

I explained to XXXX XXXX XXXX what the law says about unverfiable or inaccurate information about an account on the credit report and he advised me that the law did not say that. 

However according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 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.

Additional supporting documentation was submitted directly to Transunion as well as through the CFPB with the complaint.

Transunion, through escalation to a supervisor, advised me on a recorded call that they have no ability to modify the account history which is a blatant misleading fact as expressed by the above law.

My rights have been violated by Transunion under 15 U.S. Code 1681i - XXXX in case of disputed accuracy.

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