Consumer complaint received 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
Re : Complaint AgainsXXXX TransUnion XXXX for XXXX XXXX XXXX XXXX Compliance To Whom It XXXX Concern, I am writing to file a formal complaint against TransUnion XXXX for multiple violations of XXXX XXXX compliance as per the Fair Credit Reporting Act ( FCRA ). Enclosed with this complaint are exhibits that display my past disputes with TransUnion XXXX, which clearly highlight the company 's failure to adhere to the proper guidelines and procedures outlined in the XXXX XXXX format. 

Exhibits : XXXX XXXX Violation Complaints I believe these actions are in direct violation of the XXXX XXXX compliance requirements, which are designed to ensure the accuracy and fairness of credit reporting. Specifically, I have identified the following areas where TransUnion XXXX 's conduct has not met the prescribed standards : * Failure to Promptly Investigate and Correct Inaccuracies : TransUnion XXXX has repeatedly failed to conduct timely and thorough investigations into my credit report disputes. Despite submitting valid and substantiated disputes, the responses from TransUnion XXXX have been delayed and often dismissive. This has caused ongoing inaccuracies to remain on my credit report, damaging my creditworthiness and financial opportunities. 
* Incomplete or Inaccurate Reporting of Account Information : TransUnion XXXX has inaccurately reported account information, including incorrect payment histories, balances, and dates of last activity. These errors have led to an incorrect portrayal of my credit history, which in turn has affected my ability to access credit and other financial services. 
* Lack of Compliance with XXXX XXXX Formatting : * TransUnion XXXX 's failure to accurately report account information according to the XXXX XXXX format has resulted in confusion and discrepancies on my credit report. These formatting errors have hindered my ability to properly assess my creditworthiness and address potential issues. 
I am filing this complaint with the Consumer Financial Protection Bureau in the hope that you will investigate these violations and take appropriate action to ensure TransUnion XXXX 's compliance with the FCRA and XXXX XXXX guidelines. I am seeking resolution through the following actions : * Comprehensive Review and Correction of My Credit Report : * I request that TransUnion XXXX conducts a thorough review of my credit report and corrects all inaccuracies resulting from their XXXX XXXX compliance violations. 
* Restitution for Damages : * Given the financial and reputational damage I have incurred as a result of TransUnion XXXX 's violations, I am seeking restitution for the harm done. This could include compensation for any monetary losses, as well as the expenses incurred in rectifying these inaccuracies. 
* XXXX XXXX and XXXX : * I urge the CFPB to ensure that TransUnion XXXX undergoes appropriate compliance training and enhances its oversight mechanisms to prevent similar violations from occurring in the future. 

Enclosed are copies of the exhibits that display the violations of XXXX XXXX compliance by TransUnion XXXX. I trust that the CFPB will conduct a thorough investigation into this matter and take the necessary actions to rectify the situation. 

Thank you for your attention to this matter. I am available for any further information or assistance required during the course of this investigation. 


XXXX. Defamation of Character : It has come to my attention that TransUnion XXXX has disseminated false and damaging information about me, resulting in the defamation of my character. This baseless information has caused harm to my reputation and standing within my community and professional circles. This defamation has caused me significant distress and personal hardship. 
XXXX. Financial Hardship and Credit Report Inaccuracies : The attached exhibits provide evidence of the denial of my credit card applications, which can be directly traced to your inaccurate reporting. This has created severe financial hardship for me, as your reporting inaccuracies have undermined my creditworthiness and ability to access credit and financial opportunities. 
XXXX. Emotional Distress : The combination of the false information, financial hardship, and credit report inaccuracies has taken a toll on my emotional well-being. The distress caused by TransUnion XXXX 's actions has negatively impacted my mental health, relationships, and overall quality of life. 
Monetary Relief and XXXX XXXX : In light of the extensive harm I have suffered, I am demanding monetary relief in the amount of {$10000.00}. This compensation is intended to address the financial hardship, emotional distress, and damage to my character caused by TransUnion XXXX 's actions. Furthermore, I am requesting that TransUnion XXXX engage in credit repair efforts to rectify the inaccurate reporting on my credit profile and promptly remove any unverified and erroneous items. 
Arbitration Process : I have initiated the arbitration process as per the terms of our agreement. The assigned case number for this matter is XXXX. I anticipate that TransUnion XXXX will fully cooperate in this arbitration and adhere to the guidelines and procedures outlined in our agreement. 


Sincerely, XXXX XXXX

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 explanation