Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Attached you will find PHYSICAL PROOF that TransUnion out right lies to ME and to you, the CFPB. Even though I sent my drivers license, they still can not report the correct CITY. In addition, they refuse to delete ALSO KNOWN AS which is clearly a typing error. I am not ALSO KNOWN AS anyone! See this on page 1 of the XXXX report dated XX/XX/2019 at XXXX XXXX. See address on page 2 of the XXXX report dated XX/XX/2019 at XXXX a.m. And finally, they have not deleted and updated my Employer! 

Attached you will find previous CFPB reports filed In them, TransUnion responds that my correspondence did not meet their requirements so they contacted the company directly. Still, they send me nothing VALIDATING or whom they talked to while validating with a time, date, etc. This tells me they are not doing what is required of them under the FCRA. 

You will note on page 15 of the same XXXX report dated XX/XX/2019 at XXXX AM XXXX   XXXX. TransUnion response to YOU AND ME clearly is a lie : " XXXX XXXX IS NOT ON YOUR TRANSUNION REPORT ''. Oh really? 

Page 17 of the same XXXX  report dated XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX  removed by XXXX and XXXX, unable to validate, yet TransUnion still claims they can validate it and it remains. Interesting? 

Page 16 of the same XXXX  report dated XX/XX/2019 at XXXX XXXX same story with another XXXX   XXXX  Page 16 of the same XXXX report dated XX/XX/2019 at XXXX XXXX  shows XXXX   XXXX. Funny how documents presented don't meet their requirements but XXXX  and XXXX   removed with no issue. 

Page 19 of the same XXXX  report dated XX/XX/2019 at XXXX XXXX  shows another XXXX   XXXX. Same story as above. 

Page 19  of the same XXXX  report dated XX/XX/2019 at XXXX XXXX  once again with XXXX/XXXX No proof of contract, signature, no recording by phone or video of me ever requesting or using a line of credit. How is this validated and allowed under the FCRA if not 100 % accurate? All XXXX can send me is " we assumed it was you '' and statements no proof. 

Page 21 of the same XXXX  report dated XX/XX/2019 at XXXX XXXX yet another XXXX XXXX account they refuse to remove, stall tactics, " Oh we are contacting the company because your documents don't meet our standards ''. 

Page 22 of the same XXXX report dated XX/XX/2019 at XXXX XXXX the final XXXX  XXXX with the same storyline. Must be pretty special to not have to follow the law. 

Page 3 of the CFPB XXXX TransUnion plays the game. " did not meet TransUnion 's criteria. Therefore, we initiated an investigation .... '' GET REAL! You were sent a court ordered document. All XXXX XXXX sends is more of the same, " We heard from a bureau but we need more documents from you ... we can't find anything '' Page 2 of the CFPB XXXX TransUnion out right LIES. They respond on XX/XX/2019 and I quote " Currently, XXXX XXXX is NOT reported on your TRANSUNION CREDIT FILE '' ... ..they then go on " regarding XXXX XXXX XXXX ... XXXX ... ..XXXX  ... ..and XXXX XXXX ... DID NOT MEET OUR CRITERIA so we initiated an investigation .... '' OUR RIGHT DOUBLE LIED. ZERO VALIDATION. All they companies above send over and over and over again are documents stating they do not have a physical signature, a screen shot of a computer application stating " WE ASSUMED THIS WAS YOU '', and copies of statements. NO RECORDING. NO PHYSICAL CONTRACT AGREEMENT. So again, how is this VALIDATED when the companies themselves can not validate it.

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