Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I continuously contact TranUnion regarding an ongoing issue with my credit report. I have 3 unauthorized inquires ( XXXXXX/XX/XXXX) ( XXXX XXXX XX/XX/2023 ) ( XXXX XXXXXX/XX/ ). I have called each of the businesses and neither of them could tell me where the inquiries come from. I asked each of the businesses if the inquiries could be removed and was told to contact TransUnion. Prior to calling TransUnion I have written dispute letters including police reports and FTC reports via centerfield mail, with notarizes, therefore they can not tell me such letters were never sent or delivered. Each time my letters were ignored. 2 days ago I went on XXXX website to try to submit an online dispute but it appears that inquires can not be disputed online. I then called TransUnion and was transferred to a supervisor due to some remark or code being on my account telling regular agents they can not work on my account but to escalate it. 2 days ago I shared my concern. The supervisor on the phone stated to me to wait about a week for results but I received an email yesterday stating results were in and to go online to check them. Upon checking there is no result. When I check under recent disputes on the TransUnion site it doesnt even show that disputes were opened 2 days ago. So I waited until this morning to call again. Once on the line I was verified then transferred again to a supervisor that cared more about the way I speak than addressing the problem at hand. This supervisor told me next time the easier way would be to go online. Little does he know there is no option to dispute inquires online. That there lets me know half these people that answer the phone dont even know what their talking about. He then goes on to ask me to verify the inquires I am calling about, so I give him the names and the dates. He asked have I ever sent in documents supporting my claims. This lets me know either A ) hes just talking, probably reading a script and not doing his job or taking me seriously and/or B ) the numerous letters Ive sent in were trashed because how is an FTC report and a police report not on file?? In less than 10 seconds he then says a dispute was requested I will receive the results in the mail in a few days. Now had a dispute been opened by the supervisor I spoke to 2 days ago like I was told, this supervisor wouldnt have been able to dispute the same items today being result of an already open dispute. So someone didnt do their job. In response I asked how long ( for XXXX to specify an exact timeframe ) and why cant they email me. I then went on to say to the careless supervisor on the phone that I feel like they are doing this ( request submitted, wait to receive a letter ) to waste time and nothing is truly being done. The supervisor then tells me to watch my mouth?? I hadnt said anything wrong. I know many people that have claimed to call TransUnion for similar issues ( unauthorized inquires ) that have had them deleted on the call. So why is it that every time I call I have to be transferred to a supervisor? A request has to be submitted? And the timeframe is a few days+ for results? I feel like the not on my account is for them to neglect my concerns and pretend like theyre doing something and theyre not. Not to mention I never actually get the results from TransUnion. I have yet to receive a letter in response to the letters Ive been sending in over the last 10 months. Every time I get an email to check result of a dispute it leads to no where and every time I call I get the run around. I am sick and tired of this game with TransUnion. I will be seeking litigation if this continues.

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 explanation