Consumer complaint received 2024-12-31 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: IL

Complaint narrative:
Subject : Failure to Investigate Disputed Accounts, Furnishing Inaccurate Information, and Noncompliance by Furnisher Dear TransUnion, I am writing to formally address multiple serious issues regarding the inaccurate information reported on my credit report and your failure to properly investigate disputes. The specific concerns are as follows : 1. **Failure to Investigate Disputed Accounts : ** Despite my prior efforts to dispute inaccurate accounts on my credit report, it is evident that TransUnion has not conducted a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The continued presence of these inaccuracies on my credit report indicates a lack of compliance with the mandatory investigative process. 

2. **Furnishing Inaccurate Information : ** TransUnion has reported inaccurate information on my credit file, which I have previously disputed. This persistent reporting of inaccuracies is a violation of FCRA guidelines, which mandate that all information must be accurate and verifiable. 

3. **Noncompliant Furnisher : ** A company that is not licensed in Illinois and was identified as noncompliant with regulatory standards continues to furnish an account on my credit report. Despite notifying TransUnion of this issue through the Consumer Financial Protection Bureau ( CFPB ), the account remains on my report. 

Under the FCRA, TransUnion is legally obligated to ensure the accuracy and completeness of information in consumer credit reports, and to conduct reasonable investigations into disputes. Failure to comply with these obligations constitutes a violation of the FCRA. 

In light of these violations, I am demanding the deletion and removal of all inaccurate information from my credit report and Ensuring that only properly licensed and compliant furnishers are allowed to report information to TransUnion. 

REMOVAL & DELETION OF ALL ACCOUNTS LISTED BELOW XXXX XXXX XXXX  ( Not Licensed & bonded in Illinois. Please see verification attached. ) XXXX XXXX XXXX ( inaccurate payment history, has disputed account and information is STILL INACCURATE, see attached letter ; account sold to collection agency but is reporting charge off ) XXXX XXXX XXXX XXXX XXXX ( account was open due to identity theft. Company made aware, still furnishing ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please DELETE & REMOVE LISTED ACCOUNTS. 

DO NOT RESPOND BACK " ACCOUNT VERIFIED " UNLESS you are able to provide the following : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If you reply yes to the above then : * Who did you speak with?

* What was the date? 
* How long was the conversation? 
* What was their position? 
* What number did you call? 
* What is the name of your employee that spoke directly to the above party? 
* What is the position of your employee that spoke to the above party? 
* How long has that individual been employed by the company? 
* What type of training was provided to this employee in order to investigate items of this kind? 
* Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the accounts ) in question.

1. Please provide the date of the commencement of delinquency.

2. Please provide the SPECIFIC date reporting of this item will cease. 

*Please delete all non holding account inquiries. 

Thank you for your help in this matter. 

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 non-monetary relief