Consumer complaint received 2021-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it XXXX concern at the CFPB, I have been disputing with Trans Union since XX/XX/XXXX trying to remove some accounts that have multiple inaccuracies but Trans Union states each and every time that the accounts have been updated but not deleted. Now here is the problem if Trans Union updated these accounts but nothing within these accounts have changed, according to the FCRA section XXXX ( A ) ( XXXX ) ( a ), what was updated and why hasnt the date last reported date changed? Each time an account is disputed there should be XXXX things that change, the date last reported, proving that an investigation / reinvestigation has taken place, according to the FCRA XXXX XXXX ( A ) and section XXXX ( A ), and the entry of the required notice of dispute, according to FCRA XXXX XXXX ( A ) ( XXXX ) and the FDCPA section XXXX ( B ), correct? I am sorry to say that these XXXX fields havent changed reflecting the investigations into these disputes in the last 3 months. 

Please examine the Identity IQ credit reports from XXXX, XXXX and XX/XX/XXXX, in the attachment named visual proof, and you verify that these fields has not changed nor has any other data has changed at all within the last 3 months, which is a violation of the FCRA section ( A ) ( XXXX ) ( a ),. I took the liberty to create a XXXX account box that has all the information including the 2 year payment histories of each account and it is found after the XXXX XXXX credit report of this account dated XX/XX/XXXX. I am attaching the letters I sent to Trans Union with the signed and dated return receipts as an attachment called letters, for proof of my disputes and the last 3 months of the Identity IQ credit reports showing each of these accounts and highlighted text showing these XXXX fields that were not changed down below in the attachment called visual proof. I am requesting that you, the CFPB, investigate these accounts and Trans Union for blatant and maliciously attacking my credit, my life, my childrens lives and me by refusing to complete an investigation according to the FCRA XXXX XXXX XXXX ( A ) and the FCRA XXXX XXXX ( A ), failure to to do an independent investigation when asked by me according to the FCRA XXXX XXXX XXXX ( A ) and the FCRA XXXX XXXX ( A ), failure to change/delete an account after being shown numerous times the false and inaccurate data on my reports according to the FCRA XXXX XXXX ( A ) ( XXXX ) ( a ), failure to provide documentation when I asked specifically for it according to the FCRA XXXX ( XXXX ) ( B ) ( XXXX ) and section XXXX ( XXXX ) ( A ), and failure to notify other investors of my current disputes by not placing the required notice of dispute in the comment section after the 30 day period after they first received my dispute as according to the FCRA XXXX XXXX ( A ) ( XXXX ) and the FDCPA section XXXX ( B ), all of these are hurting me financially, emotionally and physically by raising my stress levels and causing my XXXX to reach and stay way out of control. 

The following is a list of accounts that I am requesting you, the CFPB, to investigate with you and also performing an investigation against the credit bureau XXXX XXXX Trans Union for multiple violations as listed above. Again to see all the letters with the signed and dated return receipts please view the attachment called letters and to see visual proof from XXXX XXXX showing that there were never any changes made to these accounts, that there was never any investigations done within the last 3 months and to view and examine the missing required notice of dispute see attachment called visual proof. Also you can see and verify that there was never any changes made to these accounts in the last 3 months therefore how was my accounts updated as Trans Union has stated in their investigations reports ( see attachment called investigation reports. Furthermore, I attached XXXX credit reports dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, see attachment called credit reports, where you can also see that none of the data has been updated, a violation according to FCRA XXXX XXXX ( A ) ( XXXX ) ( a ), there are no notice of disputes in any of these accounts over 6 months, another violation according to FCRA XXXX XXXX ( A ) ( XXXX ) and the FDCPA section XXXX ( B ), there was never any investigations done according to all the last reported dates saying XX/XX/XXXX, another violation according to the FCRA XXXX XXXX XXXX ( A ) and FCRA XXXX XXXX ( A ) and failing to update or delete data that is inaccurate and being shown that this data is inaccurate, a violation of the FCRA XXXX XXXX ( A ) ( XXXX ) ( a ). 

Furthermore, in regards to Trans Union not completing any investigations or re-investigations when I asked for them, I like to bring up XXXX XXXX Trans Union of XXXX where it was said by the courts that it is the grave responsibility and duty of the CRAs to complete a reasonable and complete independent investigation into consumers accounts when feasible. I believe after XXXX  months this request has became feasible and required since Trans Union decided that they did not have to do any investigations into my accounts. The courts also said that E-Oscar isnt an acceptable means of doing a complete and thorough investigation. Without further ado here is the list of accounts that I want deleted and for you, the CFPB, to investigate and then investigate Trans Union for multiple violations and failure to do their job. 


XXXX XXXX {$3500.00} XXXX XXXX {$6000.00XXXX XXXX XXXX {$3100.00} XXXX XXXX {$4000.00} XXXX  XXXX {$2000.00} Date Opened : XX/XX/XXXX XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00} XXXX  XXXX {$5500.00} XXXX  XXXX {$5200.00} XXXX  XXXX {$1500.00} XXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX Thank you greatly for any and all help you can provide,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation