Consumer complaint received 2022-12-07
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:
This really needs to stop! Transunion is going to all lengths to make a profit. A company doing a soft credit pull does NOT validate an account. Transunion and the companies that have paid them XXXX XXXX and XXXX XXXX XXXX has not validated the accounts. Transunion has been advised of this several times and has refused to provide validation. They are required to do so and has refused.These deragatory accounts reporting is falsely representing me as a customer to current and future creditors. It's also damaging for my mental health. It's my understanding each credit bureau is provided the same exact information when the bureau has been PAID to report the account. I have informed you Transunion, XXXX and XXXX has removed the SAME account you are reporting as derogatory. If each credit bureau XXXX, Transunion and XXXX is provided the same information how is it you " claim '' the account is verified? Are you saying you Transunion is the only reputable credit bureau? Please tell me why if you are claiming these accounts are verified why is it so hard to receive validation from Transunion and the companies that have paid you to report them? I have written to Transunion, XXXX XXXX and XXXX XXXX XXXX. I did NOT receive any responses from XXXX or XXXX XXXX XXXX. Again, I have informed Transunion of this and Transunion has did XXXX. Transunion is NOT abiding by the law and has continued to violate my consumer rights! These accounts have NOT been validated therefore they should immediately be removed! I have requested FACTS and VALIDATION Transunion again I ask please provide. I have not received anything from neither company. Alot of time has passed by and my credit is being affected. I have not received a thorough investigation it's more than likely processed by a machine or an overseas overworked employee. It doesn't make sense how I can contact Transunion each time to request information and the response is " verified '' or it'a a stall tactic. Transunion stall tactics as follows ... We are unable to verify your identity we received contact on what we think may be a XXXX party. We have verified the account. The latest I just received an email you received my request to cancel my dispute.How?????? I am and always have contacted Transunion on my own. How is it you are unable to verify me on a dispute but there's no issue with verification to send a full credit report to me with all my information? That doesn't make sense at all! The fake concern is a stall. I have NOT requested no dispute to be canceled I will update a copy of the last 2 letters I sent to Transunion as well as a screenshot of the email I received Transunion claims I requested to cancel the dispute. I did not request the dispute to be canceled. These accounts need to be removed IMMEDIATELY!

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