Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ), Improper Reporting of Charged-Off Account, and Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) Company Name : XXXX XXXX and TransUnion Issue Description : I am filing a complaint regarding several serious concerns involving XXXX XXXX and TransUnion XXXX including violations of the Fair Credit Reporting Act ( FCRA ), improper reporting practices, and potentially deceptive debt collection tactics that may violate the Fair Debt Collection Practices Act ( FDCPA ). 
1. Failure to Provide Method of Verification : After disputing the accuracy of the XXXX XXXX account with TransUnion, they marked the investigation as complete and deemed the information accurate. However, TransUnion failed to provide the method of verification, a violation of FCRA Section 611 ( 15 U.S.C. 1681i ). 
2. Inaccurate Reporting of Charged-Off Account : XXXX XXXX reported my account as a charge-off on my credit report. However, I did not receive a 1099-C form for canceled debt, raising concerns about whether the charge-off was processed correctly.

Without proper cancellation or forgiveness of the debt, this charge-off continues to inaccurately reflect on my credit report.

3. Lack of a Thorough and Fair Investigation : XXXX investigation into my dispute did not meet FCRA standards, as they failed to address inconsistencies or verify the accuracy of the reported information. 
4. Deceptive and Misleading Communication Practices : XXXX XXXX frequently called me using phone numbers with the same area code as my own, which created the impression that the calls were from a local contact. 
When my car was repossessed, representatives from XXXX XXXX called me and claimed that I could stop the repossession and retrieve the vehicle by making a payment. Even after the car was removed from the repossession lot and sold at an auction, they continued to call and falsely claim that making a payment would allow me to get the car back. 
These tactics are misleading and deceptive, causing confusion and distress. Such practices may violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations in connection with debt collection activities. 

Impact : These issues have negatively impacted my credit score, financial credibility, and personal well-being. The failure to provide proper verification, inaccuracies in credit reporting, and aggressive communication tactics have created significant hardship.

Desired Resolution : Immediate deletion of the XXXX XXXX account from my credit report due to violations of the FCRA and FDCPA. 
Full investigation into XXXX XXXX reporting and collection practices. 
Written acknowledgment of errors and assurances that such practices will not occur in the future. 
Appropriate remedies for any violations identified, including compensation for damages caused by inaccurate reporting or harassment. 

I request that the CFPB address this complaint promptly and ensure my rights are upheld 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