Consumer complaint received 2025-02-24 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 letter serves as a formal demand for immediate corrective action regarding TransUnion, Equifax, and Experian, blatant failure to conduct a reasonable reinvestigation of inaccurate and misleading information contained within my credit report, in direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

the inclusion of an unverified account on my credit report, which is in violation of my consumer rights as protected by the Fair Credit Reporting Act, specifically under section 611 ( a ) ( 5 ) ( A ).

According to FCRA section 611 ( a ) ( 5 ) ( A ), it is the responsibility of a credit reporting agency to provide " maximum possible accuracy '' in the information they maintain about consumers. The law requires credit reporting agencies to ensure that the information they report is both accurate and verifiable. In my case, you have reported a collection account that I believe has not been adequately verified. 

I submitted a dispute concerning XXXX XXXX Account Number : XXXX XXXX - Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX - Balance : {$0.00} XXXX XXXX XXXXXXXX - Account Number : XXXX Balance : {$0.00} along with compelling evidence demonstrating the inaccuracies. Despite this, TransUnion, Equifax, and Experian, has failed to conduct an adequate and independent reinvestigation, instead continuing to report erroneous information in clear dereliction of its statutory obligations. 
Federal courts have established unequivocally that credit bureaus must conduct more than a cursory review and can not blindly rely on data furnishers. See : XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) : Holding that credit bureaus must conduct an independent review rather than passively accepting information from the furnisher. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Mandating that credit reporting agencies undertake reasonable verification steps. 
XXXX v. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Establishing that failure to conduct a reasonable investigation is a direct violation of the FCRA, subjecting the bureau to liability. 
Recently, the CFPB filed a lawsuit against XXXX for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that Experian improperly marked disputes as frivolous or conducted superficial investigations that failed to verify the accuracy of reported information. This practice violates the rights of consumers under the FCRA. As per the FCRA 611 ( 15 U.S.C. 1681i ), the credit Bureau is required to : 1. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of informationXXXX XXXX XXXXXXXX XXXX 2. Notify the furnisher of the The information on this account is completely inaccurate Nor have I given permissible purpose for this company to be reporting anything on my credit report. The account status is paid as agreed with no delinquent date, but you still reporting late payments on my payment history. These account does not have my correct personal information. so why is this account on my credit report. I have made several attempts to obtain documentation from TransUnion, Equifax, and Experian to verify the accuracy of this account, as required by FCRA section 611 ( a ) ( 7 ). However, despite my efforts, I have not received the necessary documents to confirm the validity of this account. 
I request that you immediately remove the accuracy of this account and provide the documents used to verify its legitimacy. If you can not provide this documentation or verify the account, it should be removed from my credit report to comply with FCRA regulations.

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