Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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: Their investigation did not fix an error on your report

Complaint:
I am writing to bring to your attention a matter of great concern regarding the re-reporting of an account and the failure to remove a disputed account from my credit report, despite providing proof of its inaccuracy. As per our previous settlement agreement, the account in question was supposed to be suppressed and deleted, and its continued presence on my credit report is a violation of our agreement. 

Firstly, I would like to address the issue of the re-reporting of an account. According to our settlement agreement, which was reached in XX/XX/2022, the account in question, XXXX XXXX, was to be suppressed and deleted from my credit report. However, to my dismay, I recently discovered that this account has been re-reported, despite our explicit agreement to remove it permanently. This re-reporting not only violates the terms of our settlement but also negatively impacts my creditworthiness, which has already suffered due to the presence of this account. 

I request that you take immediate action to rectify this situation by ensuring the immediate removal of the re-reported account, XXXX XXXX Acct # XXXX, from my credit report. Please provide confirmation once this action has been taken, as it is crucial to my ongoing efforts to rebuild my credit and financial standing. 

Secondly, I want to address a separate issue involving a disputed account on my credit report. I have submitted a dispute regarding an account attributed to XXXX XXXX XXXX, which I have never had any affiliation with. I provided substantial evidence, including documentation proving that I do not hold an account with the reporting creditor. Despite my efforts, this disputed account remains on my credit report, and it is imperative that it be removed promptly. 

I kindly request that you thoroughly investigate this matter and take the necessary steps to delete the disputed account from my credit report immediately. I have attached copies of the relevant supporting documents for your reference. Furthermore, I would appreciate timely communication from your department to inform me of the progress and resolution of this dispute. 

Failure to address these concerns and resolve the aforementioned issues in a timely manner would leave me with no choice but to seek legal remedies to protect my rights as a consumer. I trust that TransUnion, as a reputable credit reporting agency, will handle this matter with the utmost seriousness and urgency it deserves. 

I look forward to a prompt response and a swift resolution to this matter. Please find enclosed copies of the relevant documentation supporting my claims. If you require any further information or documentation, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your immediate attention to this matter.

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