Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Dear Sir/Madam, This letter has also been sent by certified mail. 

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information ad verified the accounts listed below as reporting 100 % accurately. However, this account is still inaccurate, and your company is still continuing to report errors on my credit file which is causing damage to my credit report profile. have had longer than 30 days to get back to me about this, in addition, when I called Transunion this last week the representative told me another representative would call me back in three days, and this did not happen. Remove from my credit reporting immediately as clarified FCRA law 15 U.S.C. Sec. 1681i ( a ) law.

Please know that I had experienced hacking in the past and am very upset about how my personal information has been compromised, as well as coping with the additional climate of companies profiting off making money based on the selling of my personal information, and now I have become a product essentially without giving any consent in the first place. And my personal information is being sold both in the dark web and now with all of the data breaches. Technology is not secure, and in addition, I have to deal with TransUnion who claims to do thorough investigations and verify them as accurate on top of it all. 

I am a natural person and am aware of all rights that I have, which am protected by Congress under the Fair Credit Reporting Act ( FCRA ). These accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 as the reporting agency that has assumed the role of assembling and reporting and equitable.

As a consumer and natural person, I am invoking specified remedies and making the following demands : The accounts listed below are not mine. They are each associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 15 U.S.C. Sec. 1681i ( a ) if you cant provide proof, these accounts must be deleted. I want these accounts deleted if they are not 100 per cent right and correct. I realize an attorney said you have 30 days to complete this investigation. I had written you months ago about this. You have had months to complete this investigation, so I request now that you remove it immediately. 


XXXX  Account Number XXXX - Late Payment in XX/XX/2022 : I spoke with a representative at XXXX and XXXX agreed to remove it from my credit report because this was a system error and does not represent who I am as a consumer. Remove it immediately. 

XXXX {$13000.00} Account Number XXXX : I dont recognize the account in question. You had had longer than 30 days to get back to me about this, in addition when I called Transunion this last week the representative told me another representative would call me back in three days, and this did not happen. Remove from my credit reporting immediately as clarified FCRA law 15 U.S.C. Sec. 1681i ( a ) law. 

XXXX XXXX Account Number XXXX Payment after charge off / collection I dont recognize the account in question. Remove it immediately. 

XXXX XXXX Inquiry : Inquired on XX/XX/XXXX XXXX  : I spoke with a representative at XXXX XXXX over the phone and told them that I do not recognize this inquiry, and they have removed it. Please remove it immediately from my credit report immediately as the damage has been on my credit report and reputation long enough. 

Thank you for your time and help in this matter.

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