Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complaint Against : TransUnion XXXX XXXX Subject : Discrepancies in Account Reporting and Failure to Provide Verification of XXXX XXXX XXXX Account I am filing a formal dispute regarding the reporting of an account by TransUnion, XXXX, and XXXX. I have been disputing this account since XX/XX/year>, but the information continues to be inaccurately reported as verified by all three credit reporting agencies. The account in question is with XXXX XXXX XXXX, with the original creditor being XXXX XXXX, and the account number is XXXX. 

Specifically, I am asserting that the credit reporting agencies have violated several provisions of the Fair Credit Reporting Act ( FCRA ), which protects my rights as a consumer to ensure the accuracy and completeness of information reported on my credit report.

Failure to Provide Verification Evidence : Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), when a consumer dispute
s an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation and ensure that the information is accurate and verifiable. This includes obtaining and reviewing all relevant information provided by both the consumer and the furnisher of the information. However, the credit bureaus have not provided any hard evidence or documentation showing how they verified the account with the furnisher, in violation of the FCRA. This lack of transparency and failure to demonstrate proper investigation constitutes a violation of the law. 

Discrepancies in Reporting Balances : Additionally, there are significant discrepancies in the reported balances across the XXXX credit bureaus : TransUnion reports a balance of {$XXXX}. 
XXXX reports a balance of {$XXXX}. 
XXXX reports a balance of {$XXXX}. 
These discrepancies further indicate that the account has not been accurately verified and raises concerns about the reliability of the information being reported. The FCRA ( Section 607 ) mandates that information reported to credit bureaus must be accurate and complete. These inconsistent balances suggest non-compliance with this provision.

Given these issues, I am requesting that this account be deleted from my credit report as it fails to meet the accuracy and verification standards required by the FCRA. The failure to provide clear evidence of verification, coupled with discrepancies in the reported balance, points to a lack of compliance with both the reasonable investigation and accuracy requirements under the FCRA.

As a consumer, I am fully aware of my rights under the FCRA, and I understand that if a credit reporting agency fails to demonstrate proper verification procedures, I have the right to challenge the accuracy of the report and seek appropriate remedies, including the deletion of inaccurate information.

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 explanation