Consumer complaint received 2020-06-03
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 IS IN RESPONSE TO TU REPLY TO MY INITIAL COMPLAINT # XXXX THE FUNNY THING IS TU STIL REFUSES TO ANSWER THE SUBSTANCE OF MY COMPLAINT. THE SUBSTANCE OF MY COMPLAINT IS TU DID NOT START AN INVESTIGATION AFTER RECEIVING MY COMPLAINT AND SUPPORTING DOCUMENTATION. THERE REPLEY/RESPONSE TO THIS COMPLAINT IS We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communication to us, and provide proof that youve authorized them to communicate with us on your behalf. Its important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion report at transunion.com/repair letter. If youve hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights under federal law at https : //www.consumerfinance.gov/about-us/blog/how-avoid-credit-repair-service-scams/ You can count on us as a resource as you work to achieve your credit health goals we want you to be able to get the financial opportunities you deserve. Should you have any further questions, please contact www.transunion.com LET ME BE CLEAR I DONT NEEDS TU APPLAUDING MY EFFORTS I KNOW TU DONT GIVE A XXXX ABOUT MY EFFORTS OR FINANCIAL SITUATION. 
AGAIN MY INITIAL COMPLAINT AGAIN 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 is 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 1. 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 XXXX 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  XXXX  ANSWER AND I WILL TAKE LEGAL ACTIONS AND THE PREVIOUSE 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