Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Today, the Consumer Financial Protection Bureau ( CFPB ) took action against XXXX, the nationwide consumer reporting agency, for its failure to conduct proper investigations of consumer disputes. The CFPB found XXXX ignored consumer documents and evidence submitted with disputes, allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers about the results of its investigations, and used flawed software code which led to inaccurate consumer credit scores. The order requires XXXX to comply with federal law, and XXXX must pay a {$15.00} XXXX civil money penalty, which will be deposited into the CFPBs victims relief fund. 

XXXX failed in its basic duty to investigate and resolve consumer disputes about inaccurate information on their credit reports, said CFPB XXXX XXXX XXXX. Todays order requires XXXX to pay a civil penalty and follow federal laws on handling credit reporting disputes. 

XXXX XXXX ( XXXX : XXXX ) is a nationwide consumer reporting agency with headquarters in XXXX, Georgia. XXXX is the parent company to XXXX XXXX XXXX XXXX, and is one of the three major consumer reporting agencies in the United States. It aggregates data about most adult consumers and sells that data to its customers in the form of consumer reports that are used by lenders, employers, landlords, and others to make important decisions about consumers. XXXX processes approximately XXXX disputes each month. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer. 

The CFPB found XXXX violated the FCRAs requirements for investigating and processing consumer disputes and assuring maximum possible accuracy of information on its consumer reports. The CFPB also found that XXXX violated the law by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. Specifically, the CFPB found XXXX harmed consumers by : Failing to thoroughly investigate consumer disputes : XXXX process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, XXXX also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after XXXX forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters XXXX sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted. 
Putting previously deleted errors back on credit reports and failing to block identity- theft related information : XXXX did not have systems to detect information that was previously removed and block that information from again appearing on the consumers credit report. In addition, XXXX also had no process to identify situations where a consumer is forced to send another dispute about the same inaccurate information because XXXX failed to correct the information the first time, or because XXXX reported information that had previously been corrected. XXXX policies limited consumers ability to dispute inaccurate information being put on their credit report. Finally, XXXX reported credit information that it should have blocked because the information resulted from identity theft. 
Sharing inaccurate credit scores and data about consumers with lenders : Coding errors in XXXX internal software caused the company to miscalculate and share inaccurate credit scores for several XXXX XXXX consumers. The company also reported the same credit accounts multiple times for more than XXXX consumers. 
Enforcement Action Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including the FCRA, and the prohibitions on unfair, deceptive, or abusive acts or practices under the CFPA. 

The order requires XXXX to : Follow federal law on handling credit reporting data : XXXX must bring its dispute resolution processes into compliance with the FCRA and CFPA. 
Pay a {$15.00} XXXX penalty : XXXX will pay a {$15.00} XXXX civil penalty to the CFPBs victims relief fund.

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