Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX and I am filing this complaint against Transunion for not adopting reasonable procedures with regards to the confidentiality, accuracy, relevancy and proper utilization of the information furnished to my consumer report. 

I pulled my most recent 3-bureau report from XXXX XXXX XXXX on XX/XX/XXXX ( attached : Transunion credit report 1-6 ) and found many discrepancies between the credit reporting agencies making my consumer report both incomplete and inaccurate. 

It is my belief that Transunion is blatantly committing fraud, aggravated identity theft, and violating a host of other federal laws by parroting information given to them from these companies without actually conducting a reasonable investigation due to Transunion 's business relationship with these companies. These violations have caused me severe stress, anxiety, and health complications from sleepless nights due to Transunion having no regard for laws put in place under the FCRA. 

According to 15 U.S. Code 1681g I, the consumer has the right to request a full file disclosure about the information within my consumer file which includes the sources of the information was used to verify the information before it was procured onto the consumer report. This includes the dates, original payees, and amounts of any checks, identification of each person ( including the end-users identified under section 1681e ( e ) ( 1 ) of title 15 ) that procured my consumer report, including their address and telephone number of the persons, a record of all inquiries received by the agency during the 1-year period preceding my request in connection with the credit or insurance transactions not initiated by me, the consumer. If any of the following accounts do not have the sources of information available, they must be removed.

Federal law mentions that Credit Reporting agencies on a nationwide basis must maintain a joint notification system. It is my belief that this was enacted to ensure that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy. In my attachments, I have proof that this has not been the case.

Be advised that it is my right under 15 U.S. Code 1681i ( 7 ) to know the description of the procedure used to determine the accuracy and completeness of the information on my credit file. By law, you have no later than fifteen ( 15 ) days to complete your re-investigation. If a description of the method used to verify this information can not be provided, information associated with the listed items below must be deleted. 

1. XXXX XXXX - XXXX 2. XXXX - XXXX - Was reporting to XXXX but deleted from XXXX report in XXXX and is still not reporting on credit report pulled on XX/XX/XXXX. ( See attached online credit report labeled XX/XX/XXXX XXXX report and most recent XXXX credit report labeled XXXX credit report 1-6 as proof ) 3. XXXX  - XXXX -Was reporting to XXXX but deleted from XXXX report in XXXX and is still not reporting on credit report pulled on XX/XX/XXXX ( See attached online credit report labeled XX/XX/XXXX XXXX report and most recent XXXX credit report labeled XXXX credit report 1-6 as proof ) 4. XXXX XXXX  - XXXX -Deleted from XXXX report in XXXX and is still not reporting on credit report pulled on XX/XX/XXXX. ( See attached online credit report labeled XX/XX/XXXX XXXX report and most recent XXXX credit report labeled XXXX credit report 1-6 as proof ) 5. XXXX XXXX XXXX -Deleted from XXXX report in XXXX and is still not reporting on credit report pulled on XX/XX/XXXX. ( See attached online credit report labeled XX/XX/XXXX XXXX report and most recent XXXX credit report labeled XXXX credit report 1-6 as proof ) 6. XXXX XXXX XXXX -Deleted from XXXX report in XXXX and is still not reporting on credit report pulled on XX/XX/XXXX. ( See attached online credit report labeled XX/XX/XXXX XXXX report and most recent XXXX credit report labeled XXXX credit report 1-6 as proof ) Certified Mail # : XXXX XXXX XXXX XXXX XXXX

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