Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 DEAR TRANSUNION, On multiple dates I have mailed in letters as well as sent correspondence through CFPB disputing information contained in consumer reports concerning regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. YOU RECEIVED MY DISPUTE LETTERS BUT REFUSED TO DO ANY TYPE OF PROPER INVESTIGATION. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information I requested before the end of the 30-day period of the date which you received my dispute letter. Instead of sending me a response letter with the result of your investigation of the disputed information you mailed me a letter dated claiming that the accounts were verified with no substantial proof. These accounts were reporting inaccurately and violating my FCRA rights as I am entitled to accounts on my repot being accurate and verifiable. The other two credit bureaus removed these accounts because they were unable to properly verify it. Im confused why you are still reporting these accounts and you have access to the same information the other credit bureaus do?

Surly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation dispute but instead continue to send the same exact response. Also, the same response to an account that was already removed by the creditor, but Transunion lied and said account had been verified which was not. However, your excuse and assumption are not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not found any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA your refusal to reinvestigate accurately is an intentional and/or negligent FCRA violation .

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. For not properly investigating these accounts and continuing to send me the same generated response and reporting inaccurate information. 
In 14 days delete the disputed information requested. Send an updated copy of my consumer file and send me the XXXX checks to my mailing address listed above. 
Sincerely, XXXX XXXX I HAVE ATTACHED COPIES OF MY REPORT SHOWING THAT THESE ACCOUNTS ARE ONLY SHOWING FOR TRANSUNION! XXXX HAS DELETED AND XXXX HAS DELETED THESE ACCOUNTS BUT TRANSUNION CONTINUE TO REPORT INACCURATE INFORMATION AND REFUSE TO DELETE THES ACCOUNTS THAT CAN'T BE VALIDATED.

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