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: NY

Complaint narrative:
Complaint Title : Ongoing FCRA Violations and Improper Investigations by TransUnion XXXX XXXX XXXX XXXX Account XXXX XXXX the Issue : Credit Report Inaccuracy Identified : Date Issued : XX/XX/XXXX Account : XXXX XXXX Services Inaccuracy XXXX XXXX account XXXX XXXX marked as closed on XX/XX/XXXX, but subsequent investigations by TransUnion introduced harmful and inaccurate updates XXXX including changing the " Date Closed '' field and failing to address numerous inaccuracies. 

XXXX Submitted to TransUnion via CFPB XXXX : Dispute XXXX : Submitted on XX/XX/XXXX, highlighting multiple inaccuracies in the XXXX XXXX XXXX account XXXX 

TransUnion Reply XXXX : On XX/XX/XXXX, TransUnion claimed the account was verified and updated, ignoring clear inaccuracies and failing to provide adequate investigation details. 

Dispute XXXX : Submitted on XX/XX/XXXX, requesting a reinvestigation and names of individuals with whom they verified the account. 

TransUnion XXXX XXXX : On XX/XX/XXXX, TransUnion updated the " Date Closed '' to inaccurately reflect XX/XX/XXXX, instead of the correct date ( XX/XX/XXXX ). This introduced new errors, caused a XXXX XXXX XXXX drop, and ignored my request for specific verification details. 

Dispute XXXX : Submitted on XX/XX/XXXX, requesting deletion of inaccuracies and correction of recurring repossession reporting errors. 

TransUnion XXXX XXXX : On XX/XX/XXXX, TransUnion failed to address highlighted inaccuracies, maintained harmful errors, and did not provide the required information about their investigation process. 

Dispute XXXX : Submitted via notarized, certified mail on XX/XX/XXXX, detailing all inaccuracies and violations, including failure to report repossessions accurately and changes to the " Date Closed '' field. 

TransUnion Reply XXXX : On XX/XX/XXXX, TransUnion again ignored key evidence and failed to conduct an adequate investigation or contact the original furnisher. 

FCRA XXXX XXXX : TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX. XXXX XXXX. XXXX ( b ) : Failure to ensure maximum possible accuracy of the information contained in the consumers credit report. 

XXXX. XXXX XXXX. XXXX ( a ) : Failure to conduct a reasonable reinvestigation of disputed information and address inaccuracies within the required timeframe. 

XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) : Failure to provide the consumer with written notice of the results of reinvestigation, including the procedure used to determine the accuracy of the disputed information. 

XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) : Failure to disclose the sources of information used in verifying disputed accounts upon request. 

XXXX. XXXX XXXX. XXXX ( b ) : Failure to properly investigate disputes by the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion. 

These violations have caused material harm, including a significant drop in my XXXX XXXX and difficulty obtaining credit. 

Uploading Supporting Documents : I am uploading the following documents to support my claims : Copies of the credit reports issued by TransUnion on XX/XX/XXXX, and subsequent dates, showing inaccuracies. 
All correspondence with TransUnion regarding my disputes. 
Evidence of the inaccuracies I highlighted in each dispute and proof of XXXX failure to address them. 
Documentation from XXXX XXXX XXXX XXXX XXXX in the data reported by TransUnion. 
Certified mail receipts and my notarized pre-arbitration dispute letter submitted to TransUnion. 

Additional Agencies Notified : In addition to submitting this complaint to the CFPB, I am forwarding it to : XXXX. New York Attorney General XXXX XXXX For further investigation into TransUnions harmful practices that affect New York residents. 
XXXX. Federal Trade Commission ( FTC ) : To report violations of federal consumer protection laws. 
XXXX. Better Business Bureau ( BBB ) : To document and escalate the issue for consumer advocacy purposes. 

I'm also uploading XXXX forms of identification state id, ssn card, and bank statement with address on it XXXX verification

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