Consumer complaint received 2022-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against TRANSUNION for committing identity theft and failing to furnish any documentation that prove how you verified this account or that prove they are in fact reported error. For this purpose, I need for you to perform an independent investigation going further that the original source of information to retrieve the accuracy of my accounts. Additionally, I would like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this public record to ensure accuracy. I am submitting new and relevant information and requesting a reinvestigation of the following account per section 611 ( a ) ( 3 ) ( A ). I previously dispute account XXXX XXXX XXXXXXXX XXXX XXXXXXXX and it came back verified. Exhibit A, I request your method of verification which requires you to provide me with the name of the person you spoke with and the proof of verification however, the information was not provided to me as requested. Maybe you misunderstand my previous request so I will request it again and expect a response within the next 15 days. Please do not send me a response stating TRANSUNION reviews and considers all relevant information you provided when you open the credit dispute process and we take one or more of the below actions : TRANSUNION states for PUBLIC RECORD information TRANSUNION or the third party we hire, check the applicable court records to verify the accuracy and/ or completeness of the information reported to us. TRANSUNION states on annual credit report In order to learn the identity of the third-party vendor ( if any ) that collected the public record item ( s ) in this section, please visit https : //www.transunion.com/legal/public-records. After visiting the section it shows that XXXX is the third party vendor Exhibit B. TRANSUNION also informed me at this time you decline to block the information you have identified for one or more of the following. In accordance with Section 605B of the FCRA, we have determined that your request has either a ) been made in error ; b ) is a misrepresentation of material fact relevant to the request to block and/ or c ) you have obtained possession of goods, services or money as a result of the transaction issue. This process is becoming increasingly frustrating because you are advising me that I am wrong when I have sent information taken directly from my credit report and from the third party. This is exactly what you are reporting and what the third party was reporting that has since been deleted and I am simply pointing out the errors. Please explain how I am wrong when the information given is the exact same information reported by you. I HAVE PROVIDED CORRESPONDENCE FROM XXXX OF THE DELETIONS EXHIBIT C. TRANSUNION continues to invade my individual privacy by committing abusive, deceptive and unfair practices. It is my belief that TRANSUNION are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms.TRANSUNION is reporting this PUBLIC RECORD with FORETHOUGHT AND MALICE as an attempt to bring harm to me and my financial reputation. If TRANSUNION continues to report this inaccurate fraudulent PUBLIC RECORD, I will file for litigation for actual damages caused and TRANSUNION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud.

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