Consumer complaint received 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
COMPANY FAILED TO ADDRESS : CFPB complaint XXXX & CFPB complaint XXXX Closed without ever conducting investigations from XX/XX/XXXXXXXX  I have refiled a FTC Complaint : XXXX. I have attached this as well. Additionally I spoke with XXXX XXXX on XX/XX/XXXXXXXX  at XXXX EST at Transunion and got to a space of screaming. They *****NEVER**** investigated the 5 hard inquiries on my credit report. They LIED to the CFPB and resolved something. They have further sold my information and cost me $ XXXX  of dollars in interest for misreporting my identity and inquiries upon my fraudulent Credit Report. Throughout the dispute, erroneous and invalid addresses, the misspelling of my name, in addition to discovering ALL kinds of soft pulls I never addressed were upon my record. They admitted to me on XX/XX/XXXXXXXX on the phone that they NEVER did an investigation nearly 30 days after my CFPB complaint was FILED! I need you to reopen this complaint ASAP!!! 
They are to remove XXXX XXXX XXXX from XX/XX/XXXXXXXX  and XX/XX/XXXX. 
They are to remove XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  They are to remove XXXX XXXX XX/XX/XXXX. 
No applications were provided from the hard inquiries. NO investigation was performed/ XXXX XXXX told me they do not support providing these. They are UNABLE TO VERIFY THAT THE HARD INQUIRIES WERE IN FACT ME!!!!!!! 
I was affected in the XXXX Breach. That is a {$20000.00} settlement right there. 
Transunion is in Violation of the Fair Credit Reporting Act Section 611 A 1 as well as Part ( A ) ( 5 ) ( B ) ( ii ). They allowed Under Section 604 A3 the illegal pull of my credit report for hard and soft inquiries. This is {$1000.00} per line item that will be sought via a lien from the US TREASURY and the IRS. They have less than a week to remedy this as the original complaint was filed XX/XX/XXXX. They have cost me money via the mail, credit reporting tools, and now, pursuing further costs. 

They were ordered on XX/XX/XXXXXXXX  to turn over the full Credit File upon me as to how they are illegally brokering my information. 

I sent letters with information XX/XX/XXXXXXXX  to follow up the XX/XX/XXXXXXXX  reports. I had numerous calls where I reverified information, requested this be handled, re-addressed the dispute. On XX/XX/XXXX I was told by the individual I spoke with that NO investigation had been done and they " would start one '' with the 5 hard inquiries in question. After this additional invalid addresses were added to my file, and my name was misspelled. I then sent follow up with a marked up credit report on XX/XX/XXXXXXXX  via REGISTERED MAIL XXXX. NOTHING WAS ADDRESSED AT ALL. 

I am now adding the FTC 2nd report with XXXX. 

TransUnion is 30 days derelict for remedying the violations of the Fair Credit Reporting Act upon my report. They have failed to conduct an investigation. They have failed to provide proof for the items upon my report. They have failed to update the statement I sent them on XX/XX/XXXX. I am attaching these things so you may see them at the CFPB. In addition, they have until XX/XX/XXXXXXXX  before a judgement for {$10000.00} will be sought for the errors to the report and WILL still need to correct these.

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