Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
I Have previously disputed the accuracy of these accounts and provided information needed to complete the investigation. TransUnion being sued by the CFPB for inaccurately reporting on millions of consumers credit reports poses a real issue as I personally have been one of the millions affected by there lack of accurate reporting and willing to follow the law. TransUnion has still allow the reporting of inaccurate accounts to be posted on my consumer profile. I am requesting a detailed explanation of the method of verification, the procedure followed, and all documentation utilized during this investigation of the disputed information on my credit report. In accordance with 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I ask that you provide this information within 15 days that proves this information is reporting accurately. If the requested documentation and verification details are not provided within this timeframe, the disputed information must be deleted from my credit file. 
Method of verification Description of the procedure Documentation sent to Creditor Documentation showing that I have a bona fide contract and agreement with the creditor Any ID documentation signatures on file from the creditor showing that I am the person on the contract. 
Provide the method of validation used as a collection with a past due balance is inaccurate credit reporting. 
Please be advised that I am requesting the deletion of the following information that has been reported inaccurately : XXXX XXXX XXXX XXXX which is a collection account being reported as passed due which is illegal the balance of {$760.00}, These last 3 accounts XXXX Which is being reported as closed in collections and late payment as a charge off which is illegal they have verified this as reporting as accurate but not provided me with any method of verification or documentation / communication sent to the creditor with a balance of {$0.00}, XXXX not only are they reporting this account inaccurate they are reporting this as a charge off and collection account with a late payment being passed due this is again illegal no method of verification has been provided even though they claim this account has been verified with a balance of {$0.00}, XXXX a charge off account being reported as late passed due over 90-119 days and being reported as closed with a {$0.00} balance again which is illegal and TransUnion has still not provided any method of verification after finishing my dispute via XXXX XXXX and CFPB. The constant violations they exhibit and refusal to accurately report consumer credit history and provide the method of verification is alarming. I am entitled to have this information deleted under the following laws : 1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, a consumer who is a victim of identity theft has the right to dispute fraudulent information on their credit report. If the consumer provides proper documentation or evidence of identity theft, the credit reporting agency must investigate the claim and, if necessary, delete the fraudulent entries. Specifically, FCRA 605B allows consumers to request that fraudulent information be deleted from their credit report if they provide sufficient evidence of identity theft.

2. Consumer Financial Protection Bureau ( CFPB ) Regulations : The CFPB enforces regulations ensuring that consumer data is accurately reported and that consumers are not harmed by incorrect information, especially in cases involving identity theft. The CFPB has the authority to ensure that credit reporting agencies adhere to the FCRA and delete any fraudulent information that is the result of identity theft.

3. This Request is under FCRA 611 ( a ) ( 7 ) : For the description of the procedure used by your agency in providing all information used in the investigation to verify the information your agency is reporting Per 15 USC Code 1601, per 15 U.S.C 1666b, and per 15 USC 1681i ( a ) ( 7 ) requires this information Description of procedures in writing be provided to me in 15 days If you can not provide me with the requested info by law the reports listed need to be deleted as you have not conducted an actual investigation and cant supply proof of an accurate investigation that was conducted.

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