Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you in good health. I am writing to express my growing frustration and disappointment with the way my repeated requests for the removal of fraudulent items from my credit report have been handled by your agency. It is my right as a consumer to have an accurate and reliable credit report, and I have made persistent efforts to address and rectify the fraudulent information that has unjustly damaged my creditworthiness. 

Over the past months, I have discovered numerous fraudulent items on my credit report when obtaining a copy from your agency. These fraudulent items encompass such as unauthorized accounts, identity theft, etc., which I have never authorized, engaged with, or had any association with. It is crucial to emphasize that these fraudulent entries have severely impacted my credit score, causing significant financial hardship and limiting my access to financial opportunities.

In strict adherence to the provisions of the Fair Credit Reporting Act ( FCRA ), I have diligently initiated disputes with your agency to rectify these fraudulent items. Each time, I have provided the necessary documentation and evidence to substantiate my claims, with the genuine expectation of a timely and comprehensive investigation. 

To my profound disappointment, my persistent efforts have yielded no resolution or response from your agency within the 30-day investigation period stipulated by the FCRA. This lack of response not only violates my rights as a consumer but perpetuates the financial harm I endure due to these fraudulent entries. 

Due to the ongoing inaction on your part, I have been forced to escalate my disputes by submitting multiple letters and documents related to the fraudulent items. Sadly, these additional attempts have also been met with silence and indifference, leaving me deeply disheartened and aggrieved. 

I insist on your immediate intervention to investigate and remove the fraudulent items from my credit report, as mandated by the FCRA. Furthermore, I request a written response that delineates the outcomes of your investigation and the actions taken to rectify my credit report, all within the legally mandated timeframe. 

Failure to resolve this matter promptly will compel me to escalate my complaint to the relevant regulatory authorities and to contemplate legal action to protect my rights as a consumer. I am prepared to pursue any necessary recourse to ensure the accuracy and integrity of my credit report. 

Enclosed with this letter, you will find copies of all relevant documentation, including police reports, identity theft affidavits, and any additional evidence substantiating my claims. These documents unequivocally demonstrate the fraudulent nature of the items in question and serve as incontrovertible evidence of the urgency in their removal from my credit report. Please assist me to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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