Consumer complaint received 2024-12-05 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: FL

Complaint narrative:
This is the third attempt to rectify this account in violation of Federal Law. TransUnion ignored my last complaint and failed to provide the names and contact details for the individuals they " verified '' the account with. That is a violation of The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D. So not we have MULTIPLE FEDERAL LAW VIOLATIONS. I am lodging this formal complaint against TransUnion for their failure to accurately report an account on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates the maximum possible accuracy of consumer information. My grievance is based on the following critical issues : Discrepancy in Reporting : There exists a significant discrepancy between the account as reported by TransUnion. The account is not reporting at all to from original creditor/data furnisher to other credit bureaus XXXX and XXXX. XXXX  screenshot attached proving this blatant violation to be true. This inconsistency not only misrepresents my financial history but also suggests a failure in TransUnion 's data management system to ensure accuracy. 

Inaccuracy Stemming from Data Furnisher : The original creditor and data furnisher have evidently not provided consistent information to all credit bureaus, leading to this discrepancy. This inconsistency raises questions about the reliability of the data provided to TransUnion and whether it accurately reflects my financial behavior and obligations.

Impact on Creditworthiness : The inaccuracy in my credit report directly affects my credit score and, by extension, my ability to secure credit, loans, or even employment opportunities that require a credit check. This misrepresentation can lead to missed opportunities and financial disadvantage, which I should not have to endure due to reporting errors.

Request for Complete Removal : Given the clear violation of 15 USC 1681e ( b ) and considering the potential for ongoing damage, I demand that TransUnion removes the entire account from my credit report. This action is necessary not just for rectification but also to prevent further harm to my financial reputation due to their reporting inaccuracies.

Consumer Rights and FCRA Compliance : As a consumer, I am entitled to have an error-free credit report under the FCRA. The discrepancy in question not only violates this right but also points to a potential broader issue in how TransUnion handles and verifies data from furnishers, which could affect many other consumers. 

I am seeking the complete removal of this inaccurately reported account from my credit report by TransUnion. This demand is based on the understanding that any correction might still leave residual inaccuracies or perceptions of past inaccuracies, which could continue to impact my creditworthiness unfairly. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly, hold TransUnion accountable for this violation, and ensure that such practices are not repeated, thereby protecting the rights of all consumers to accurate credit reporting. This complaint serves as a call for immediate action to safeguard consumer rights and maintain the integrity of credit reporting standards.

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