Consumer complaint received 2025-01-15 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:
I request CFPB intervention to ensure the immediate removal of an inaccurate and unverifiable account from my credit report, which is maintained and reported by TRANSUNION. This account has been repeatedly challenged without adequate verification, in clear violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for investigation and correction, the credit bureau has failed to comply with the FCRA 's thorough and reasonable verification requirements, and has relied solely on automated and inconsistent responses.

Reporting Inconsistencies : I have identified inconsistencies in the information for this account across all three major credit bureau reports. The discrepancies suggest that the reported information is inaccurate and does not meet the FCRA 's accuracy standards, warranting immediate corrective action.

Legal Basis and FCRA Violations 1. Inaccuracy and Lack of Verification : Under the FCRA, credit bureaus are required to maintain accurate and verifiable information in credit reports. In this case, the credit bureau has demonstrated a lack of diligence in verifying this account, relying solely on automated systems like e-OSCAR to respond to my dispute. This type of system does not meet the reasonable verification standard required by law, especially in a recurring dispute that significantly impacts my credit history and score.

2. Inconsistencies at Credit Bureaus : In reviewing my reports from the three major credit bureaus, I have found inconsistencies in the way this account is reported. These discrepancies indicate systematic errors in TRANSUNION handling and verification of information, further underscoring the lack of accuracy and compliance with the FCRA. 

References to Relevant Case Law To support my complaint, I cite the following legal precedents that reinforce the credit bureaus ' obligation to conduct thorough and reasonable inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ruling states that credit reporting agencies must conduct reasonable inquiries and can not rely solely on automated responses when a consumer questions the accuracy of information provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : The court held that credit reporting agencies must go beyond the data provided by the creditor and conduct additional checks when accuracy is in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case emphasizes the responsibility of information providers and credit reporting agencies to conduct thorough, not cursory, inquiries under the FCRA. 
These cases consistently establish that credit reporting agencies must take reasonable steps to ensure the accuracy of information in credit reports and can not rely on automated responses when accuracy is questioned.

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