Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Dear TransUnion, I am writing this letter as a final warning before initiating legal action against TransUnion LLC for its egregious violations of the Fair Credit Reporting Act ( FCRA ) and the harm it has caused me as a result of its continued negligence, defamation of character, and emotional distress inflicted upon me due to the failure to correct my credit report. 

As a responsible consumer, I have consistently exercised my rights under the FCRA by disputing multiple fraudulent accounts and false late payments on my credit report, which have been inaccurately reported by TransUnion. I have adhered to the FCRA guidelines by sending multiple dispute letters, and, despite having done so, TransUnion has failed to respond within the legally mandated 30-day timeframe. This deliberate inaction is a direct violation of the FCRA, which imposes strict obligations on credit reporting agencies like TransUnion to conduct reasonable investigations and rectify inaccuracies promptly. 

The specific FCRA violations that TransUnion has committed include : 1. **Failure to Conduct Reasonable Investigations : ** TransUnion has failed to conduct reasonable investigations into the fraudulent accounts and false late payments reported on my credit file, as required by 1681i ( a ) of the FCRA . 

2. **Failure to Correct Errors : ** TransUnion has not taken the necessary steps to correct the inaccuracies present on my credit report, as mandated by 1681i ( a ) ( 5 ) ( A ) of the FCRA XXXX 

The accounts in question : XXXX XXXX  ( fraud ) XXXX XXXX XXXX ( fraud ) XXXX XXXX XXXX/ XXXX XXXX ( false late payment ) XXXX XXXX XXXX/ XXXX XXXX ( false late payment ) XXXX XXXX ( false late payment ) XXXX XXXX XXXX ( fraud ) XXXX XXXX XXXX ( fraud ) XXXXXXXX XXXX ( fraud inquiry ) It is important to note that XXXX and XXXX, two other major credit reporting agencies, have already removed the fraudulent accounts from my credit report and are actively working to rectify the inaccurate late payments. TransUnion 's negligence in this matter has had severe consequences for my financial well-being and overall quality of life. As a direct result of TransUnion 's inaccurate reporting and refusal to correct the errors, I have been unable to secure a credit card, obtain approval for an apartment lease, or qualify for a car loan. These restrictions have placed me in a highly unfavorable financial position and have impeded my ability to make important life decisions. 

Furthermore, the emotional distress caused by TransUnion 's actions is immeasurable. The continuous stress, XXXX, and frustration resulting from TransUnion 's negligence and the resulting damage to my creditworthiness have negatively impacted my mental health and overall well-being. 

This letter serves as my final warning to TransUnion. I demand immediate action to investigate and correct the fraudulent accounts and false late payments on my credit report, as required by the FCRA. Failure to comply with this demand within 15 days from the date of this letter will leave me with no choice but to pursue legal remedies available to me under the FCRA, including but not limited to filing a lawsuit against TransUnion for negligence, defamation of character, emotional distress, and violation of the FCRA. 

I implore TransUnion to take this matter seriously and rectify the injustices I have endured promptly. I trust that your organization will prioritize compliance with federal law and uphold its obligations to consumers.

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