Consumer complaint received 2025-02-14 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: TN

Complaint narrative:
I'm filing this complaint against a creditor called XXXX XXXX and CRA called TransUnion. I did business with XXXX XXXX, and I also unintentionally defaulted with XXXX XXXX due to financial hardship some time ago. Now that I am on bad terms with the creditor, I have reason to believe that fact maybe influencing a current issue at hand that I am having with the creditor regarding disputing the accuracy and completeness of the account and how it reports to the consumer reporting agencies. I have disputed XXXX XXXX several times over the past year and as of most recently on or about XXXX. The issues being disputed were for incompleteness in which I provided Transunion specific details highlighting where the issue could be found. On or about XXXX, the payment history section was disputed because the last payment date did not reflect how it was reported in the payment history section in addition to consecutive 120-days late ratings reporting month to month which I stated was materially misleading. As of today, XXXX, the account is still in an inaccurate and incomplete status with TransUnion and XXXX XXXX dubbing the account accurate through each dispute despite providing TransUnion and XXXX XXXX supportive documentation enclosed with each dispute I would send. This matter is concerning because the creditor nor the consumer reporting agency would not move to correct the noticeable discrepancies furnished on the tradeline. I have reason to believe based on the results of my efforts and appropriate steps I've previously taken on multiple occasions that triggered section 1681s-2b under the FCRA that XXXX XXXX and TransUnion may not be conducting reasonable investigations as required by the FCRA when handling my disputes. I have a justifiable reason to believe that TransUnion is also failing to hold the creditor XXXX XXXX accountable in ensuring that it provided complete and accurate information considering that TransUnion is obligated to make sure that the account is complete and accurate at its maximum per section 1681e ( b ) under the FCRA. Furthermore, I am convinced that XXXX XXXX is being egregious and willfully noncompliant and is recklessly disregarding the contents of my disputes that were sent to it considering there were multiple disputes deemed accurate and complete when they are in fact not. XXXX XXXX maybe only relying on its internal data opposed to conducting a thorough and reasonable investigation. These instances constitute a violation under 15 USC 1681s-2b. Additionally, I have concluded upon information and belief that my default with XXXX XXXX XXXX be a reason why it is not deleting its account from my credit report after the information returned to me in an inaccurate and unverifiable because of collection purposes. This is unlawful and out of compliance with federal law and could very well cost XXXX XXXX more than the amount it is trying to collect in this matter should that be the case considering that the accuracy and completeness of an account has nothing to do with a past due balance which is a personal matter opposed to a procedural requirement.

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