Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I just found out my personal information including ssn and email login and password has been found in multiple data breaches including XXXX DATA BREACH. These credit reporting agencies are reporting fraud information on my credit report. I've sent a letter to them more than 45 days .asking for method of verification. I asked for specific information regarding on how they carried out their investigation .They never responded to my request. This letter is my 2nd formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.

Your response should to me should include the following at a minimum.

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

1.What certified documents were reviewed to conclude your investigation?

2.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3.What did it cost your company to obtain the documents needed to complete your investigation? 
4.Please provide proof of your timely procurement of certified documents.

5.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6.If yes to above : Who did you speak to?

7.On what date?

8.How long was the conversation?

9.What was their position?

10.What telephone number did you call?

11.What is the name of the employee of your company that spoke directly to the above party?

12.What is the position of the employee of your company that spoke directly to the above party?

13.How long has that employee been employed by your company?

14.What formal training was provided to this employee to investigate items of this kind?

15.Was there any e-mail or written communication between members of your company and the above party?

16.Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact 17.conducted a reasonable investigation of the account in question.

18.Provide the date of the commencement of delinquency.

19.Provide the SPECIFIC date reporting that these items will cease.

20.Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. 
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. 
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. You verified information as 100 % accurate that even the creditor XXXX sent me a letter stating that they have made arrangements to remove the account from my report. ( I'VE ATTCHED A COPY ) So how can it be verified. This on-going negligence has caused me many opportunities. I have 44 alerts from XXXX identity monitor of many many breaches that my information was compromised and has been also found on the dark web markets for sale. ( also attached ). According to fcra 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

This should have never been on my credit report if proper laws were followed. At this point they are knowingly reporting fraudulent information thats far from being accurate .Comparing the accounts for the 2 different reporting agencies they dont even match up correctly. I've recently got legal advice from a lawyer and he agreed that this is bad and highly unacceptable and i probably should think about taking legal actions for violation of my rights. This has cost me lots of money and opportunities. XXXX has only kept updating information to more inaccurate information. They changed the information 4 times and i have i proof. 
The accounts for XXXX are XXXX XXXX # XXXX XXXX # XXXX also a inquiry that i didnt give permission to anyone to do. Its XXXX XXXX XX/XX/23 The accounts for TRANSUNION are XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I Never received any service or goods from these places but they said i did. Well i would like to see your proof of me receiving goods. Real tangible physical proof. Not words.Also if you cant provide the all the above things I asked for in method of verification then remove these accounts IMMEDIATELY!!! I wasnt aware of XXXX data breach. How did my personal information get compromised.

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