Consumer complaint received 2021-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX - filed a FRAUD PACKET dispute with Transunion, with FTC reports attached regarding continued reporting of fraudulent information on my credit report via Transunion. This is a NEW COMPLAINT against Transunion for their misleading dispute process and I have received great harm due to Transunion failing to follow the FCRA regarding my credit information. 

I received a letter in the mail on XX/XX/XXXX from Transunion that my dispute because of additional information would be extended from XX/XX/XXXX to be completed on XX/XX/XXXX. However, because the disputed information was verified by Transuion early and my dispute was terminated on XX/XX/XXXX, I feel that Transunion, DESPITE supporting documents, sent via mail with the FRAUD PACKET, refuses to correct the information as per law in the FCRA, and continues to validate the fraudulent information. 

On XX/XX/XXXX, Transunion Consumer Relations has continued to verify OLD, and FRAUDULENT postings to my credit report. These items have been removed by the other credit bureaus but Transunion continues to violate my FCRA rights by VALIDATING fraudulent reporting from an unscrupulous and predatory lender, XXXX XXXX XXXX XXXX XXXX XXXX UT ) and refuses to remove OLD and OUTDATED information from my credit report regarding XXXX XXXX XXXX XXXX 

I have reached the point of XXXX  trying to resolve this issue with Transunion via the dispute process. I have mailed, called, and submitted online disputes with supporting documentation to have the items removed ( they are not on my other credit reports- as reported by Transunion ), and the representatives at Transunion are RUDE and DISRESPECTFUL when I call in to get any information on my report. 

Since XX/XX/XXXX, I have followed all the proper legal procedures in submitting disputes to Transunion in regards to removing the FRAUDULENT REPORTING ITEMS and OLD-REAPPEARING information. To this date Transunion refuses to do so. It should be noted that several recently filed litigations against Transunion for these very actions of Willful Negligence, and I too have fallen victim to their lack of care in regards to ACCURATE credit reporting. 


The First item to be removed are any and all reporting from a fraudulent creditor - XXXX XXXX XXXX XXXX - an FTC report has been filed regarding this fraud and Transuion fails to acknowledge the law enforcement document information. I have filed FTC and Nevada XXXX reports against XXXX XXXX XXXX XXXX, and both of my complaints have been received and are being reviewed by these law enforcement agencies. This creditor RE-AGED, ADDED FALSE LATE PAYMENTS, and on XX/XX/XXXX - REOPENED a car loan account THAT WAS CLOSED due to RETALIATION for filing disputes against them for fraudulent reporting. Since XX/XX/XXXX, Transunion continues to validate this FRAUDULENT information as ACCURATE, when the supporting documentation SHOWS CLEARLY this is FRAUD! 

The Second is XXXX XXXX XXXX XXXX XXXX XXXX NC ) ( CFPB Complaint # XXXX XXXX ) -which has been removed from my credit report as of XX/XX/XXXX. I have provided Transunion with supporting documentation showing XXXX XXXX is not collecting the debt and therefore the item should be removed. I have also provided credit bureau documents and the CFPB results showing the item removed. Transunion refuses to comply. 

I am filing this claim against Transunion to remove the items that I have disputed with them once and for all. If Transunion fails to comply with the FCRA and continues to violate my FCRA and FDCPA rights by robo-validating through XXXX  FRAUDULENT REPORTING and OUTDATED/DELETED items - which have caused me great harm. From loss of employment and housing opportunities, to not qualifying for financing that otherwise, due to XXXX negligence I would be approved for - I will be forced to engage my legal rights against Transunion for their actions causing me great harm. 

It should be noted that on XX/XX/XXXX - a similar situation with Transuion was resolved by the CFPB ( Complaint ID # XXXX - regarding fraudulent information appearing on my credit report - which after filing the CFPB complaint - the item was removed and Transunion responded XXXX the CFPB publicly XXXX the matter. 


TRANSUNION FAILED TO FINALIZE THE FOLLOWING : XXXX. CLOSING OF XXXX XXXX XXXX XXXX - ( CLOSED then REPOSTED AS OPEN??? ) XXXX. FAILURE TO PROVIDE UPDATE ON REQUESTED CREDIT FREEZE REMOVAL. XXXX. FAILURE TO PROVIDE CREDIT REPORT TO AUTHORIZED INQUIRY XXXX. FAILURE TO UPDATE ON DISPUTE STATUS ( ONLINE, MAIL, PHONE ) XXXX. FAILURE TO REMOVE CREDIT FREEZE AFTER SPEAKING TO SPECIAL INVESTIGATIONS AT TRANSUNION BECAUSE A PHONE AGENT DID NOT REMOVE THE REQUEST CORRECTLY. 
XXXX. FAILURE TO PROVIDE ONLINE ACCESS TO CREDIT REPORTS AND SCORES ( REQUIRE FEE - INFORMATION NOT AVAILABLE ) XXXX. POSSIBLE ID THEFT AGAINST ME FOR FAILURE TO REMOVE CAR LOAN ( AFCU ) after REPORTED OPEN FRAUDULENTLY - after ID information sent as requested by Transunion and no CLEAR response provided nor given to my the actions taken to actually manually verify and correct my information after my DISPUTES. 

I ask that the highest level of care be provided in this complaint against Transunion because Transunion continues to flout the FCRA and has no regards for ACCURATELY reporting my correct and true data- and refuses to provide any information on the steps they have taken in regards to my disputes. 

Thank you - XXXX XXXX XXXX - Claimant

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