Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempts to correct inaccuracies on my credit report. I believe it is my right to have accurate and up-to-date information on my credit report, and I have made diligent efforts to rectify the errors that have been negatively impacting my creditworthiness. 

I first noticed discrepancies in my credit report when I requested a copy from your agency. Specifically, I found that there were late open accounts listed that I believed to be inaccurate. To rectify this issue, I promptly filed a dispute with your agency in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite providing all the required documentation and evidence to support my dispute, I received no resolution or response from your agency within the 30-day period stipulated by the FCRA. This lack of response prompted me to escalate the matter by sending a second dispute letter. Again, I provided all the necessary documentation and waited for a response.

To my dismay, I have yet to receive any meaningful communication from your agency regarding the status of my disputes. This is a clear violation of the FCRA, which mandates that credit reporting agencies must investigate disputes within a reasonable timeframe and respond to consumers in a timely manner. 

I understand that errors can occur, but I have made multiple attempts to have these inaccuracies corrected, and the lack of response from your agency is not only frustrating but also damaging to my financial well-being. These inaccuracies have resulted in unfavorable terms and increased interest rates on loans and credit cards, causing me financial hardship. 

If this matter is not addressed promptly and satisfactorily, I will have no choice but to escalate my complaint to the appropriate regulatory authorities and consider legal action to protect my rights as a consumer. Please assist me to correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief