Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion I Asked your company to conduct an Investigation XXXX  / XXXX XXXX XXXX at the Start of XX/XX/XXXX You claim you did and investigation you claimed you verified and updated the account However this account was Never verified because the Date of update still show XX/XX/2019 How is this possible? Transunion I'm sick of your XXXX  games The FCRA States very clearly That you have to conduct a fair and accurate investigation You guys are so busy trying to make a profit Off of consumer you don't care This disputing takes a lot of XXXX  time writing up and spending money on certified mail making sure your worthless company is getting consumer dispute but yet you are sitting on your XXXX  changing this information at stroke of a XXXX  key XXXX XXXX Take a look at my credit report that was dated XX/XX/19 and take a look at the update date I see XX/XX/2019 How in the XXXX is this Possible major FCRA VIOLATION I Wonder how many other disputed have you did this On and how many other consumers are you doing this Too? Transunion this is Very dirty on your part. But I Will tell you this much you think this is a game? if you DO NOT REMOVE THIS ACCOUNT FROM My credit file it will be some serious issue I promise you also since you are showing who you really are I'm requesting the Following information to see if you are in fact doing your Job. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I WILL NEED ALL THE CREDIT APPLICATIONS FROM EACH TRADELINE FROM YOUR OFFICE SINCE YOU CAN'T CONDUCT A PROPER INVESTIGATION I WILL NEED THIS INFORMATION FROM YOUR AND I WILL BE WAITING IF YOU ARE UNABLE TO SEND THIS INFORMATION PLEASE DELETE AND BEFORE WE GET STARTED I DON'T WANT YOU SAYING YOU DON'T HAVE TO PROVIDE THIS INFORMATION YOU ARE RIGHT IN 1 WAY If I would have disputed with you online then Yes you are right But Guess what I never disputed with you online so you have to Give me the requested information

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