Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally notify you of my intent to initiate arbitration proceedings to resolve the disputes concerning my credit report, which have not been adequately addressed despite prior attempts to rectify the situation through the conventional dispute resolution process. On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts listed below on my credit report and subsequently REMOVED them from their records. I am kindly requesting your company to take the appropriate steps to DELTE these items. On XX/XX/2023, I submitted a formal dispute regarding several inaccuracies on my credit report. These inaccuracies have had a significantly adverse impact on my creditworthiness and financial standing. The disputed items include, but are not limited to : Account Name XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX  XXXX Account Number- XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX Account number XXXX, XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agency is mandated to conduct a thorough and timely investigation into these disputes and provide a written explanation of the investigation results within 30 days. Regrettably, the investigation conducted thus far has not resulted in a satisfactory resolution, nor have I received a detailed written explanation of the results, as required by law. Please Delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. Credit report should be 100 % accurate. 15 U.S.C 1681 section 602 A states, I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to PRIVACY.

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