Consumer complaint received 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These following events are backed by tracking numbers that trace back to TransUnion since XXXX XXXX. In the event TransUnion disagrees with my information we can use the certified mail tracker to resolve this with factual evidence. 

On XX/XX/2020 I reached out to your company in regard to multiple inaccurate information that needs to be deleted from my credit report. I sent a letter via USPS first class mail with tracking XXXX. I did not receive a response from your company, nor did I see any updates to my credit report. Other credit bureaus have deleted these accounts weeks ago. 

On XX/XX/2020 I decided to reach back out to your institution because of the incorrect unverified information you are reporting on my behalf which is against the law. A few days passed and I still did not hear anything back from your company. Imagine looking at your credit report and seeing incorrect information that does not belong to you, it makes you go mad. My second attempt was mailed via USPS certified mail with tracking number XXXX. I still did not receive a response. I dont get are we playing games? I dont have time for TransUnions stall tactics. 

Nevertheless, on XX/XX/2020 I reached out again in regard to the same inaccurate information. The letter went out via USPS first class mail with tracking number XXXX. I still have not heard back from your institution and the incorrect information is continuously reported each month. 

On XX/XX/2020 I sent another letter via USPS certified mail with tracking number XXXX. I did not get a response yet. Every letter that has gone out has been asking for the same information to be removed and I have yet to get any closure. 


On XXXX XXXX I reached out once again via USPS certified mail with tracking number XXXX. 

On XX/XX/2020 I reached out to TransUnion via USPS first class mail with tracking number XXXX. 

On XX/XX/2020 I received a letter from TransUnion ( which I will include a copy of ) that stated they have not done anything yet because they need an additional 15 business days. TransUnion is claiming my first attempt of contact was XXXX XXXX which is highly incorrect. Based on the tracking information and my original letter sent out on XXXX XXXX this dispute should have been resolved within 30 days of the original letter date ( XX/XX/2020 ). I will not allow an additional 15 days because that is against the FCRA. By providing factual evidence to back my claim you are obligated to delete this nonsense off my report immediately. 

On XXXX XXXX i reached out again with tracking number XXXX On XX/XX/XXXX i reach out again via USPS : XXXX On XX/XX/XXXX i reached out again via USPS : XXXX On XXXX XXXX i reached out via USPS : XXXX On XXXX XXXX i reached out via USPS: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 explanation