Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Re : Complaint Regarding TransUnions Mishandling of Dispute and Unauthorized Removal of Accounts To Whom It May Concern, I am writing to file a formal complaint against TransUnion for their mishandling of my credit report dispute, a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681a. 

On XX/XX/XXXX, I initiated a dispute with TransUnion regarding certain items on my credit report. My request, as clearly stated in my dispute letter, was for the information to be updated in accordance with 15 USC 1681a. This request did not include or imply the removal of any accounts from my credit report. The specific instruction was for an update to reflect the current and accurate status of the reported items, not their deletion. 

Despite the clarity of my instructions, TransUnion has failed to act accordingly. On XX/XX/XXXX, during a phone call with a TransUnion specialist, I was informed that my letter did not direct the removal of any accounts. However, to my distress, TransUnion has nevertheless removed most of the accounts in question from my credit history. This action is not only in direct contravention of my explicit instructions but has also caused me considerable emotional distress and potential financial harm by erasing years of credit history that I have diligently worked to build. 

This erroneous removal of credit history is not only an operational failure on the part of TransUnion but also a serious negligence of their duty to maintain accurate and fair credit reporting as mandated by the FCRA. It is important to note that I filed the same dispute with XXXX and XXXX, and both credit reporting agencies correctly understood and complied with my instructions to update, rather than remove, the accounts in question. 

I am hereby requesting immediate intervention from the Consumer Financial Protection Bureau to address this grievous error. The accounts that were unjustifiably removed from my credit report must be reinstated with the updated and accurate information as originally requested. Furthermore, I seek a thorough investigation into TransUnions dispute resolution processes to ensure that such an error does not recur, affecting me or other consumers. 

Below is a copy of the dispute letter that was sent to TransUnion, XXXX, and XXXX for your review : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Sub : Dispute of Credit Report Information Dear Sir/Madam , I am writing this letter to dispute certain information in my credit report. I have reviewed my credit report and found that the utilization rates of the following accounts are inaccurately reported : XXXX. XXXX XXXX : 92 % utilization XXXX XXXX XXXX : 98 % utilization XXXX. XXXX XXXX XXXX XXXX : 97 % utilization XXXX. XXXXXXXX XXXX XXXXXXXX : [ Current reported utilization ] According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specific transactions should not be reflected in a consumer 's credit report. The high utilization rates reported by the aforementioned lenders do not seem to comply with this provision and are therefore disputed. 

I kindly request you to investigate the mentioned items and, in accordance with 15 U.S.C. 1681, update all aforementioned accounts to 0 % utilization. I believe this rectification is in line with the consumer protection guidelines set forth in the FCRA. 

Enclosed are the copies of the credit report pages where the disputed items appear. If you require any further information to facilitate your investigation, please do not hesitate to contact me at the email address or phone number listed above. 

I request your prompt attention to this matter as it is impacting my credit score, and I am considering future financial opportunities that require a clean and accurate credit report. 

Thank you for your anticipated cooperation. 

Sincerely, [ Your Name ] Enclosure : Credit Report Pages CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOTE : This letter is a template and needs to be customized to your specific situation. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, primarily governs the collection, dissemination, and use of consumer information, including consumer credit information. Please consult with a legal professional to ensure the accuracy of your claims before sending any dispute letter. Also, remember that it's crucial to send this letter through certified mail, ensuring you have a record of the bureaus receiving your dispute. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and act swiftly to rectify this issue. The impact of TransUnions actions on my financial well-being is significant and can not be overstated. I am prepared to provide any additional information or documentation as required to assist in this matter. 

Thank you for your immediate attention to this serious issue.

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