Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TRANSUNION AND EXPERIAN HAVE DONE A GRAVE INJUSTICE TO ME The Executor of The Estate of XXXX XXXX XXXX and [ The XXXX Clan ]. 
HOW CAN THESE TWO FACTIOUS ENTITY 'S DROP MY CREDIT SCORES FOR NOT ONE, BUT TWO CHARGEOFF 'S THAT I DISPUTED, HAD TO BE REMOVED. BY USC LAW MY SCORES SHOULD HAVE INCREASED, BUT THESE TWO XXXX ENTITY 'S REFUSE TO CORRECT MY SCORES. TRANSUNION AND EXPERIAN DROPPED MY SCORES FOR TWO CHARGEOFF 'S BEING REMOVED AND {$29.00} BEING USED ON A {$1600.00} CREDIT CARD, UNDER 10 % UTILIZATION OF CREDIT, BUT TRANSUNION AND EXPERIAN DROPPED MY SCORES!!! XXXX The Fair Credit Reporting Act ( FCRA ) is a crucial federal law that protects consumer rights related to credit reporting and personal information. 
Here 's a summary of its key aspects : 1. What the FCRA does Promotes Accuracy and Fairness : Ensures that information in consumer reports is accurate and fair.

Guards Privacy : Restricts who can access your credit reports and for what purposes. 
Provides Consumer Rights : Gives individuals access to their credit reports and the ability to dispute inaccuracies.

2. Who it covers The FCRA governs credit reporting agencies ( CRAs ), including the three major ones : XXXX  , Experian, and TransUnion . It also applies to other entities that function as CRAs, such as private investigators, background check companies, and even college placement offices. 
3. Key consumer rights Right to Know What's in Your File : Consumers can request and obtain all the information about them in a CRA 's files. 
Right to Dispute Inaccurate Information : If you find errors, you can dispute them, and the CRA must investigate and correct inaccuracies within a reasonable timeframe ( typically 30 days ). 
Right to Free Credit Reports : You are entitled to a free credit report from each nationwide CRA annually, according to XXXX. Currently, they are offering free weekly reports through XXXX. 
Right to Notice of Adverse Action : If information in your credit report leads to a denial of credit, insurance, or employment, you must be notified and given the CRA 's contact information. 
Right to Restrict Affiliate Sharing : You can opt out of certain information sharing between affiliated companies.

4. Permissible purposes for accessing consumer reports Access to consumer reports is restricted to specific permissible purposes, including : Credit Decisions : Lenders use reports to assess creditworthiness. 
Employment Decisions : Employers need your written consent to access reports for employment purposes, according to XXXX XXXX. 
Insurance Underwriting : Insurance companies may access reports for underwriting policies. 
Legitimate Business Need : In connection with transactions initiated by the consumer.

5. Obligations of data furnishers Businesses that provide information to CRAs ( data furnishers ) also have responsibilities under the FCRA : Accuracy and Completeness : Must ensure the information they provide is accurate and complete. 
Investigate Disputes : Required to investigate disputes received from CRAs about the accuracy of information they provided. 
Correct or Delete Inaccurate Information : Must promptly provide accurate information to the CRA and correct or delete information found to be inaccurate.

6. Penalties for violations Violating the FCRA can lead to legal consequences, including : Actual Damages : Compensation for provable harm caused by a violation. 
Statutory Damages : Damages ranging from {$100.00} to {$1000.00}, without needing proof of actual harm. 
Punitive Damages : Awarded to punish violators and deter future misconduct. 
Attorney 's Fees and Court Costs : If you win your case, these can be covered. 
The FCRA is a powerful tool for consumers to protect their financial well-being and privacy. Understanding your rights and the obligations of CRAs and data furnishers is crucial in navigating the world of credit and consumer reports. 
Removal of Accurate Charge-offs : A legitimate charge-off will be removed from your credit report after seven years. When it's removed, your credit score should improve. 
Removal of Inaccurate Charge-offs : If a charge-off is inaccurate, you can dispute it with the credit bureaus. If the charge-off is found to be inaccurate or unverifiable, it will be removed, and your score should improve.

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