Consumer complaint received 2023-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 trust this email finds you well. I am writing to bring to your attention a persistent and distressing issue I have been facing regarding inaccuracies on my credit report with TransUnion. I have already reached out to TransUnion on three occasions, and despite my efforts to rectify the situation, the inaccuracies persist, causing me significant distress and concern. 

In my letter to TransUnion dated [ Your Date ], I clearly outlined the inaccurate information on my credit report, emphasizing that TransUnion 's reporting is in clear violation of essential FCRA ( Fair Credit Reporting Act ) regulations. Despite my previous attempts to resolve these issues, including specific requests for the removal of certain accounts I believe to be inaccurate, TransUnion has continued to report them as accurate. 

The unwarranted persistence of these inaccuracies reflects a blatant disregard for consumer credit laws, including but not limited to 15 USC 1681B ( 2 ), 15 USC 1692, 15 USC 1681A ( w ), and 15 USC 1681C-2 ( 2 ). The situation has escalated to the point where I am compelled to escalate this matter to your attention and seek your intervention. 

In my letter to TransUnion, I outlined the following demands, and I request your assistance in ensuring their prompt compliance within the next four days, as mandated by law : Immediate Removal : I demand the immediate removal of the following accounts from my credit profile : XXXX XXXX XXXX - Account Number XXXX XXXX  XXXX - Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX Section 609 Investigation Results : I have previously submitted a letter dated XX/XX/2023, with file number XXXX, indicating a completed investigation by TransUnion XXXX Regrettably, no changes were made to my credit report, and the results of the investigation were not presented. This blatant disregard for my request and consumer laws is unacceptable. 

15 USC 1681A ( w ) : This letter serves as confirmation of my identity, and the attached state ID serves as proof of my identity. Additionally, as previously highlighted in all prior attempts, I identify the inaccuracies in the information reported. In accordance with the law ( 15 U.S.C. 1681A ( w ) ), any information must be blocked not later than four business days after receiving appropriate proof of identity, identification of the information by me, and a statement by me that the information is not related to any transaction. 

15 U.S.C. 1681s-2 ( a ) - Duty to Correct Information : TransUnion has a duty to correct and update incomplete or inaccurate information promptly under this law. I insist that TransUnion fulfills this duty immediately. 

Section 609 of the FCRA : Under Section 609 of the FCRA, I formally request that TransUnion discloses to me the information in my file upon my request. This includes all information related to the disputed accounts and any other relevant details that may aid in the resolution of these discrepancies. 

The severity of these violations necessitates an immediate resolution within the stipulated four days. Failure to rectify these discrepancies within the stipulated four days will leave me no option but to pursue all available legal remedies for identity theft and the persistent breaches of FCRA regulations. 

I kindly urge you to treat this matter with the gravity it deserves and take immediate corrective action to rectify these issues. The repeated violation of critical consumer credit laws is unacceptable, and the timely resolution of these matters is not only crucial to my financial well-being but is also a legal imperative. 

Enclosed with this email, please find copies of my letter to TransUnion, along with supporting documentation. 

Thank you for your attention to this urgent matter, and I look forward to your prompt assistance in resolving these persistent issues.

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