Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am XXXX XXXX, And I am submitting this complain against Transunion and there is no Third Party involved. Transunion doing business as Transunion Consumer Relations located in XXXX PA has numerous inaccuracies on my consumer report and has filed to properly investigate this matter in which I have been disputing for months. In the exhibit most recently attempt to address on how XXXX verified the accounts on XXXX XXXX ( EXHBIT PROVIDED ). This request for method of verification was received by Transunion via certified mail On XX/XX/2022 you will find the response from Transunion dated XX/XX/2022 pertaining to file number XXXX claimed to have verified these accounts and refused to remove the accounts that I stated were inaccurate ( EXHIBIT PROVIDED ). It is clear Transunion has been very negligent and non compliant in the investigation of this matter. Transunion clearly could have not properly investigated the accounts. I Have conducted my own investigation and research reviewed my consumer report in the attached exhibits I was very upset to have found NUMEROUS additional inaccuracies on my consumer report in addition to previous disputed accounts. There remains a substantial amount of inaccuracies still on my consumer report which are the direct reason I have been facing adverse actions when I have been applying for credit or services for my personal or family household use. In the attached you will find my current consumer report with the inaccuracies I have found. There are numerous accounts with the following inaccuracies which contain inaccurate account numbers, inaccurate balances, inaccurate account opening dates, inaccurate last payment dates, inaccurate credit limits, inaccurate past due amounts, inaccurate closing dates and on some accounts multiple inaccuracies per account reporting by Transunion. ( EXHIBIT PROVIDED ). Additionally update my correct address to the one provided on my ID in the included exhibit. I THE CONSUMER PURSUANT 15 USC 1681 ( b ) ( 2 ) AND MY WRITTEN INSTRUCTIONS DEMAND XXXX TO REMOVE ALL OF THE FOLLOW DISPUTED INACCURATE ACCOUNTS IN THE EXHIBIT PROVIDED ALL OF THE DISPUTED INACCURATE ACCOUNTS WITHIN 3 DAYS. TRANSUNION IS NOW LIABLE FOR DAMAGES FOR THE ROLE YOU HAVE I ASSUMED. TRANSUNION IS NOW LIABLE FOR DAMAGES OF {$1000.00} PER VIOLATION PURSUANT 15 USC 1681N- " ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES NOT LESS THAN {$100.00} AD NOT MORE THAN {$1000.00}. THESE INACCURACIES HAVE CAUSED ME MANY PROBLEMS AND ADVERSE ACTIONS DUE TO THE INACCURACIES ON MY CONSUMER REPORT. I HAVE SUFFERED SUBSTANTIAL DAMAGES FROM NOT BEING ABLE TO OBTAIN EMPLOYMENT I HAVE NOT BEEN ABLE TO OBTAIN NECESSARY HOUSEHOLD GOODS, I HAVE BEEN UNABLE TO OBTAIN HOUSING, I HAVE BEEN UNABLE TO OBTAIN A VEHICLE FOR TRANSPORTATION FOR MY PERSONAL AND HOUSEHOLD USE DUE TO YOUR NON COMPLIANCE. I EXPECT THESE ACCOUNTS RE INVESTIGATED AND REMOVED IMMEDIATELY AND FOR THIS MATTER BE RESOLVED EXPEDITIOUSLY. THIS COMPLAINT SHALL SERVE AS YOUR NOTICE OF WILLFUL NON COMPLIANCE AND A DEMAND TO COMPLY.

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