Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I sent in a dispute dated XX/XX/2021 and another over 30 days ago. I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Transunion still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquires from my consumer report. I understand that transunion has assumed the role that they have but them disregarding me and my disputes and not following the rules of congress is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per congress guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Transunion is definitely attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report transunion also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Transunion did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which congress has drawn out, i have attempted to fix this directly with transunion and i have been disreguard

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