Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THIS WILL BE YOUR LAST OPPORTUNITY TO ANSWER THIS COMPLAINT. THIS REPLY IS IN RESPONSE TO TU TO COMPLAINT # XXXX. THE COMPLAINT HAS TO DO WITH TU FAILURE TO START AN INVESTIGATION BACK ON XX/XX/2020. WHATEVER DISPUTE TU IS INVESTIGATING NOW HAS NOTHING TO DO WITH A CFPB COMPLAINT. I AM NOT ASKING FOR A INVESTIGATION I AM PUTTING TU ON NOTICE THAT BECAUSE OF THEIR FAILURE AND VIOLATION OF THE FCRA FOR DISPUTES SUBMITTED BACK IN XXXX I WILL BE TAKING LEGAL ACTION AND SERVING YOUR REGISTERED AGENT ON YOUR BEHALF. I HAVE NO MORE GAMES TO PLAY. WHATEVER YOUR ARE INVESTIGATION CURRENTLY HAS NOTHING TO DO WITH THIS CFPB COMPLAINT AND YOUR FAILURE TO ANSWER THIS COMPLAINT IN RESPECT TO THE FACTS WITH IN WILL ONLY BE USED TO AID ME IN A COURT OF LAW. EVERYTHING IS WELL DOCUMENTED AND I AM ABLE TO PROVE YOUR VIOLATIONS. SO THIS IS YOUR LAST TIME TO ANSWER COMPLAINT AND DELETE THE ACCOUNTS THAT ARE REFERENCE WITHIN. SO AGAIN MY COMPLAINT READS AS FOLLOWS. On XX/XX/2020 I submitted a dispute letter to Transunion stating and labeling specific inaccuracies with a Negative Account named XXXX XXXX - XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation started into my disputes at all. The original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX XXXX. This is the same information I mailed to Transunion on the XXXX this has been well over 30 days and as of the XXXX day Transunion XXXX in violation of the FCRA as it pertains to the dispute process as well as inaccurate and false reporting. Now to get to the nature of my dispute XXXX XXXX XXXX. Reporting 3 different payment status to all 3 Bureaus 2. Reporting 3 different Past Due amounts. XXXX- {$5800.00}, TU- {$0.00}, XXXX- {$5300.00} 3. Reporting 3 different Balance amount, XXXX, TU- {$0.00}, XXXX- {$5800.00} 4. Date of last payment is not the same across the 3 Credit Bureaus. By looking at the documentation I submitted. These are just some of the multitude of errors that I disputed specifically and no investigation was ever started.. A FURNISHER CAN NOT FURNISH 3 DIFFERENT VERSIONS OF SUPPOSEDLY THE SAME ACCOUNT TO 3 BUREAUS 3 DIFFERENT  WAYS. It's obvious that Transunion did not start, complete or do a thorough investigation, and did not rely on any of the proof that I sent them. Nothing was ever initiated by TU on XXXX and that is a fact I can prove. IN MY COMPLAINT # XXXX NOWHERE DID I ASK FOR TU TO START A NEW DISPUTE. THEY HAD THEIR CHANCE AND DID NOT START IT ON XX/XX/2020 AFTER SIGNING FOR MY DISPUTE LETTER VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX AT LOCAL POST OFFICE AND TAKING IT INTO THEIR POSSESSION. ONCE AGAIN THIS FACT CAN BE PROVEN. BESIDE THE FACT I WILL BE TAKING LEGAL ACTION BECAUSE I CAN PROVE THIS DISPUTE VIOLATION AS WELL AS OTHERS. I STATED THE ONLY RESOLUTION WAS FOR IMMEDIATE DELETION FOR THEIR VIOLATION OF DISPUTE PROCEDURES CLEARLY SPELLED OUT IN THE FCRA. THERE IS NO OTHER SOLUTION FOR THIS COMPLAINT OTHER THAN IMMEDIATELY DELETION OF ACCOUNT XXXX XXXX - XXXX OR THERE REGISTERED AGENT WILL BE SERVED. GIVE ME ANOTHER SMIRKISH OR XXXX OFF ANSWER AND I WILL TAKE LEGAL ACTIONS AND THE PREVIOUS CFPB COMPLAINTS WILL BE APART OF MY EVIDENCE ALONG WITH ALL THE OTHER PROOF I HAVE SHOWING YOUR MULTIPLE VIOLATIONS OF THE FCRA. TRY AND GIVE ME ANOTHER XXXX GENERIC RESPONSE AGAIN ANSWER THE COMPLAINT AND DELETE THE ACCOUNT IN QUESTION

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