Consumer complaint received 2024-12-19 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: CA

Complaint narrative:
Dear CFPB, I hope this letter finds you well. I am writing to formally request an investigation into the procedures employed by the major credit reporting agenciesTransUnion, XXXX, and Experianregarding the accuracy of information reported on my credit file. I am concerned about certain inaccuracies that I have identified and the subsequent failure of these agencies to provide adequate responses and documentation, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

Background Recently, I submitted complaints to TransUnion, XXXX, and XXXX regarding incorrect information reported on my credit reports. Despite my efforts to address these inaccuracies, I have not received satisfactory responses or valid proof of the claims made by these agencies. Most importantly, I have repeatedly requested to review the " Procedures of Accuracy '' that these agencies claim to use to verify the information in my reports. Thus far, I have not received any meaningful information or documentation in response to my requests. 

Violations of the Fair Credit Reporting Act ( FCRA ) The FCRA outlines specific responsibilities for credit reporting agencies, including the requirement to ensure maximum possible accuracy of the information they report. Below are specific violations of the FCRA that I believe warrant your investigation : 1. Section 607 ( b ) - Reasonable Procedures : Credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. I have doubts that TransUnion, XXXX, and XXXX have adhered to this requirement in my case, as the inaccuracies I reported have not been corrected nor explained. 

2. Section 611 - Procedure in Case of Disputed Accuracy : Upon receiving my dispute, these agencies are mandated to conduct a reasonable investigation of my claims within 30 days. I submitted my dispute to all three agencies, but they have failed to provide the required investigation results or documentation supporting the accuracy of the reported information. Their lack of response is a clear violation of this section.

3. Failure to Validate Debts : When I identified the inaccuracies, I requested that the agencies provide validation of the debts and the procedures they used to verify the informations accuracy. Under the FCRA, they are obligated to provide this information and their failure to do so represents another violation of my consumer rights.

4. Section 623 ( a ) ( 1 ) ( A ) - Duty of Furnishers of Information : Any entity that provides information to consumer reporting agencies must ensure the accuracy of that information. If the information provided is found to be inaccurate, the furnishers have a duty to correct it. I am concerned that the agencies are not holding these furnishers accountable for the inaccurate reporting. 

XXXX. Lack of Adequate Consumer Responses : The agencies have not provided timely or useful responses to my inquiries, which I believe underlines a broader failure to protect consumer rights as mandated by the FCRA. 

Request for Action Given the collective issues I have faced, I respectfully ask the CFPB to conduct a thorough investigation into the practices of TransUnion, XXXX, and XXXX regarding how they handle inaccuracies and disputes. Furthermore, I urge your office to compel these agencies to provide their " Procedures of Accuracy '' and ensure they are compliant with the FCRA requirements.

As a consumer, I have the right to accurate credit reporting, and the current situation jeopardizes my financial health and fundamental rights. I appreciate your attention to this matter and look forward to your timely response. 



I am writing to formally demand a copy of the protocol your organization adhered to in order to verify the accuracy of the data provided for account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX. It is quite alarming that despite conducting a thorough investigation, erroneous information is still being reported. It is concerning to think that the regulations set forth by the Fair Credit Reporting Act have not been adhered to, potentially negatively impacting other consumers. Inaccurate and damaging data on an individual 's credit report is unacceptable. Kindly provide me with the identities of the individuals from INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXX  XXXX, XXXX XXXX, and XXXX  that were consulted, along with the dates of the consultations. Additionally, I request confirmation of the company 's address and contact number. INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX. As previously mentioned, this account is erroneous and must be expunged from the records altogether. I request an updated credit report alongside documentation of the investigation procedures. It is imperative that I receive detailed information rather than a generic response outlining standard investigative procedures. Thank you. 


It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with atINQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXX  XXXX, XXXX XXXX, XXXX  and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  - XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation.

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