Consumer complaint received 2024-03-06 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: NC

Complaint narrative:
Dear CFPB, This is a request as authorized by the FCRA. 611. 

Under 15 USC 1681 I, I would like you to re-investigate the item below on my credit report that is misleading & not 100 % accurate. 

If the item in dispute is NOT 100 % accurate, I demand for the item below to be removed / permanently deleted by Transunion, LLC from my credit report. 

This information reporting by TransUnion, LLC has adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following item on my credit report be verified and removed : Under Accounts with Adverse Information Section of my Credit Report : XXXX XXXXXXXX XXXX Acct # XXXX Balance : {$1500.00} Monthly Payment : {$110.00} Reporting Correctly : Current & Pays as Agreed ( Attachment # 3 ) Reporting 30 days late on XX/XX/2022 ( Attachment # 5 ) In short, TransUnion refuse to furnish me with the following results; ( 1 ) A description of the procedure used to determine the accuracy and completeness of the information furnished by TransUnion , LLC . 

( 2 ) The business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with such information ; Please Note : FAIR CREDIT REPORTING ACT / REGULATION V Section 623 of the FCRA and Regulation V generally provides that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnisher must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 
Furnishers Obligations for Consumer Credit Information Under the CARES Act, FCRA, and ECOA ( XXXX XXXX XXXX ) Duty to Provide CRAs with Accurate Information Prohibition on Reporting Inaccurate Information. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, it may not furnish information relating to a consumer to any CRA, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is, in fact, inaccurate.18 Credit Reporting Agency are now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Sincerely Submitted, XXXX XXXX

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