Credit reporting or other personal consumer reports — TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Their investigation did not fix an error on your report. The credit reporting agencies may not have removed the charge-off because they rely on data furnished by creditors and claim it was verified. However, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable reinvestigation of disputed information. If the furnisher does not provide proper documentation proving the accounts accuracy and permissible purpose under 1681b, the bureau must delete it. Failure to do so violates both 1681i and 1681e ( b ), which requires maximum accuracy. If they continue reporting unverifiable or inaccurate data, they are in direct violation of federal law.