Consumer complaint received 2023-09-21
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: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and frustration regarding the repeated failures in opening my accounts with XXXX Credit Bureaus. Despite numerous attempts, it is disheartening to inform you that the issue of delayed account activation has not been resolved. 

I initially applied to open accounts with Credit Bureaus. This was an important step for my financial and business needs. 

After completing the required documentation and following all the procedures outlined by your team, I expected my accounts to be activated within a reasonable timeframe. 

However, despite your assurances, my accounts remained inactive well beyond the promised activation date, causing significant inconvenience and disruption to my financial affairs. 

Frustrated by the delay, I filed my first complaint regarding the late opening of my accounts. I was assured that the issue would be investigated and resolved promptly. 

Despite my initial complaint, I received no communication or updates regarding the status of my accounts. There was no improvement in their activation. 

Subsequently, I made several follow-up inquiries to your customer service department, seeking information about the status of my accounts. Each time, I was met with vague responses and no concrete action taken to resolve the issue. 

After the lack of progress and numerous attempts to rectify the situation, I filed a second complaint. At this point, I had already faced considerable financial losses and substantial inconvenience due to the unavailability of my accounts. 

Once again, I received assurances that my accounts would be opened promptly, but to my dismay, the issue remains unresolved as of today. 

This ongoing delay in opening my accounts has caused me immense frustration and financial hardship. I am deeply disappointed by the lack of attention and resolution from your end despite my continuous efforts to seek assistance. 

I urgently request that you take immediate and concrete actions to rectify this situation. I expect a swift resolution to the issue, including the activation of my accounts and access to all associated services within the exact timeframe. Furthermore, I insist on receiving regular updates regarding the progress of this matter to ensure transparency and accountability. 

If my accounts are not activated and accessible within the specified timeframe, I will have no choice but to escalate this matter further, including reporting it to relevant regulatory authorities and seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a timely and amicable resolution. I am asking for your assistance to correct the following late open accounts immediately from my credit report : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX Balance : {$15.00}.

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