Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my frustration and concern regarding the unresolved issues on my credit file. Despite my initial attempt to dispute and rectify fraudulent items, the inaccuracies persist, necessitating this second formal complaint. 
I submitted a dispute letter outlining the fraudulent items on my credit report. Despite the passage of time, these inaccuracies have not been rectified, and my creditworthiness continues to be negatively impacted. 

I rechecked my credit report and noted that the fraudulent items remain unresolved. This repeated failure to address the issue is deeply concerning and has significant implications for my financial standing. 

I subsequently contacted your dispute resolution department to seek clarification and ensure a prompt resolution. Regrettably, the matter has not been satisfactorily addressed, and the inaccurate information persists on my credit file. 

I understand the importance of accurate credit reporting, and I am committed to ensuring the integrity of my credit profile. The presence of fraudulent items not only harms my credit score but also undermines my ability to secure financial opportunities. 

I request that your institution conduct a thorough and expedited investigation into these matters. Specifically, I am seeking the removal of the fraudulent items detailed in my previous dispute letter. Additionally, I request a comprehensive and transparent report outlining the actions taken to address this issue and prevent its recurrence. 

Failure to resolve this matter promptly may compel me to escalate this complaint to regulatory authorities and explore legal avenues to safeguard my rights as a consumer. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} 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 explanation