Consumer complaint received 2025-01-09 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: NY

Complaint narrative:
Failure to Address Inaccurate Reporting Failure to Investigate and Correct Inaccurate Reporting by TransUnion I am filing this complaint against TransUnion for their failure to investigate and address the inaccuracies in my credit report regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated requests for investigation and reinvestigation, TransUnion has neglected its duty to ensure the accuracy of information reported, as required by law. 

# # # **Details of the Inaccurate Reporting** - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Original Creditor : ** XXXX XXXX - **Date Opened : ** XX/XX/XXXX - **Pay Status : ** Charged Off - **Credit Limit : ** {$900.00} - **Balance : ** {$2300.00} ( exceeding the credit limit ) - **Date Closed : ** XX/XX/XXXX Inaccuracies in Reporting 1. **Repeated Charge-Off Reporting : ** The account has been marked as " Charged Off '' ( C/O ) for multiple consecutive months ( from XX/XX/XXXX through XX/XX/XXXX ). A charge-off is a one-time event and should not be reported repeatedly. This practice misrepresents my payment history and creates an unfair depiction of the account. 

2. Balance Exceeds Credit Limit The reported balance of {$2300.00} exceeds the credit limit of {$900.00} without any explanation or supporting documentation. This raises concerns about improper reporting of fees or penalties. 

3. **Inconsistent Reporting Dates : ** The " Date Closed '' is reported as XX/XX/XXXX, yet TransUnion continues to report the account as active with ongoing monthly charge-offs through XX/XX/XXXX. This inconsistency violates the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). 

**Failure to Investigate : ** I contacted TransUnion on multiple occasions to dispute this account and requested an investigation into the inaccurate reporting. Despite my efforts, TransUnion failed to : - Provide evidence to substantiate the accuracy of the account as reported. 
- Correct or delete the disputed information as required under the FCRA. 
- Conduct a proper reinvestigation after my subsequent disputes. 

1. **Fair Credit Reporting Act ( FCRA ) : ** - **Section 611 ( 15 U.S.C. 1681i ) : ** TransUnion is required to conduct a reasonable reinvestigation of disputed information and remove or correct any unverifiable information within 30 days. Failure to investigate violates this provision. 
- **Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : ** TransUnion must ensure the maximum possible accuracy of information reported. The repeated charge-offs, inaccurate balance, and inconsistent dates demonstrate a failure to meet this standard. 

2. **Consumer Financial Protection Act ( CFPA ) : ** - TransUnions refusal to correct or investigate inaccurate reporting constitutes an unfair practice under the CFPA , as it causes substantial harm to consumers without justification. 

The inaccurate reporting of this account has caused significant harm to my credit score and financial reputation. It has also prevented me from obtaining credit at reasonable terms and created unnecessary stress and frustration. 

I respectfully request the CFPB to : 1. Investigate TransUnions failure to address the inaccuracies in my credit report. 
2. Ensure the removal or correction of the inaccurate information regarding the XXXX XXXX XXXX XXXX account. 
3. Hold TransUnion accountable for their non-compliance with the FCRA and CFPA, including any necessary enforcement actions or penalties.

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