Consumer complaint received 2025-01-27 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: VA

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX XXXX, and TransUnions failure to provide adequate documentation and verification for the following accounts, which are reported on my credit files. Despite numerous attempts to obtain validation, these entities have failed to respond appropriately, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts XXXXXXXX XXXX XXXXXXXX : {$3200.00} Status : Charge-Off Remarks : " Account charged off ; Closed '' Issue : Inaccurate reporting and lack of validation of the debts details. 

Lending Club Balance : {$9100.00} Status : Delinquent Remarks : " Account information disputed by consumer ( FCRA ) '' Issue : Failure to provide accurate documentation or proof of the debt. 

Details of the Complaint Lack of Verification I have made several written and verbal requests to both XXXXXXXX XXXX XXXXXXXX XXXX, and TransUnion for validation of these debts. Specifically, I requested : Documentation verifying the debt amount, payment history, and legal right to collect. 

Proof of a contractual agreement that establishes my liability for these debts. 

To date, none of these entities have provided the requested information, which constitutes a violation of my rights under : 15 U.S.C. 1681g ( a ) ( 1 ) : Right to receive all information in my file.

15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to investigate and respond to disputes. 

Reporting Inaccuracies I have identified multiple discrepancies in how these accounts are reported : For XXXX XXXX, the charge-off details are incomplete and inconsistent across the credit bureaus. 

For XXXX XXXX, there is no validation of the delinquency, and the remarks fail to clarify whether prior disputes have been resolved or remain under investigation. 

Accounts Not Reported on All Bureaus It is worth noting that these accounts are not listed on my XXXX or XXXX credit reports. This discrepancy raises questions about the validity and completeness of the data being reported by TransUnion. 

XXXX Violations XXXX handling of my disputes violates the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of consumer information.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation of disputed information within the required 30-day period.

15 U.S.C. 1681i ( a ) ( 2 ) : Failure to notify furnishers of disputes in a timely manner.

Request for CFPB Intervention I am seeking the CFPBs assistance to : Ensure thaXXXX XXXX XXXX XXXX XXXX  and TransUnion provide complete and accurate validation of these accounts. 

Require deletion of these accounts from my credit file if validation can not be provided. 

Investigate XXXX compliance with the FCRA and impose penalties for any violations. 

Enclosures To support my complaint, I have enclosed : Copies of prior correspondence requesting validation. 

Highlighted credit report entries showing the disputed accounts. 

Proof of identity and address. 

Thank you for your attention to this matter. I trust the CFPB will ensure my rights are upheld and hold XXXXXXXX XXXX XXXXXXXX XXXX, and TransUnion accountable for their obligations under federal law.

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