Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXXXXConsumer Financial Protection BureauXXXX XXXXDate : * XX/XX/XXXXXXXX XXXXSubject XXXX XXXX Complaint Against TransUnion for Failure to Resolve Credit Dispute XXXXDear CFPB, XXXX  I am writing to formally file a complaint against TransUnion for failing to resolve inaccuracies in my credit report despite my prior disputes and provision of supporting documentation. The issue pertains to my XXXX account ( Account Number : XXXX ), which has been inaccurately reported and continues to negatively impact my credit score.

# # # Background : On multiple occasions, I submitted disputes and evidence directly to TransUnion, including payment confirmations, settlement agreements, and proof of discrepancies. However, they have failed to investigate or correct these errors, in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX  Errors and Violations : XXXX. **Repeated Charge-Offs ( Violation of 15 U.S.C. 1681c ( a ) ( 4 ) ) : XXXX My XXXX  account was charged off in XX/XX/XXXX, yet it continues to appear as a " charge-off '' monthly through XX/XX/XXXX. This is illegal under the FCRA, which mandates accurate and truthful reporting of charge-offs. 

XXXX. **Breach of Pay-for-Delete Agreement ( Violation of 15 U.S.C. 1692e ( 10 ) ) : XXXX On XX/XX/XXXX, I settled the account in full ( {$1800.00} ) with XXXX XXXX XXXX under a Pay-for-Delete agreement. Despite this, the charge-off has not been removed. Attached are the settlement agreement and payment receipt for reference. 

XXXX. XXXX*Inconsistent Reporting Across Credit Bureaus ( Violation of 15 U.S.C. 1681e ( b ) ) : ** My XXXX  account is reported differently across credit bureaus. For example, XXXX does not list the charge-off, while TransUnion and XXXX report conflicting amounts and dates. The FCRA requires uniform and accurate reporting across agencies. 

# # # Supporting Documents : I have attached the following evidence : - Settlement agreement and payment receipt. 
- Email confirmation of settlement from XXXX. 
- Screenshot of inaccurate reporting by TransUnion. 
- Identity theft complaint. 
- Drivers license, SSN card, and utility bill for identity verification. 

# # # Actions Requested : I request that the CFPB take immediate action to hold TransUnion accountable and require them to : XXXX. Remove all repeated charge-offs for my XXXX account. 
XXXX. Honor the Pay-for-Delete agreement and remove the charge-off from my credit report. 
XXXX. Delete the account entirely due to mishandling and unlawful reporting. 

# # # XXXX Attempts to Resolve : I have already sent a dispute letter, supporting documents, and a complaint to TransUnion, but they have not resolved the matter. Their failure to address these violations leaves me no choice but to seek CFPB intervention. 

Failure to act will result in legal action to protect my rights under the FCRA and FDCPA. I urge you to take this matter seriously and resolve it promptly. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX Phone : XXXX Email : XXXXXXXX XXXX XXXX

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