Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern, Your recent business practices have been distasteful, reckless and irresponsible. The dereliction of your lawful duties to protect my consumer credit report from inaccurate information represents either the willingness to participate in fraudulent activity or malicious incompetence by your companys staffed employees. My disputes have not been taken seriously. 

This letter is a formal complaint addressing the reporting of inaccurate and incomplete credit information within my credit profile. I am deeply concerned that inaccurate information has been included in my credit report, and its distressing that theres been a failure to uphold reasonable procedures to ensure the maximum possible accuracy in the credit reports published. 

According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), theres a federal obligation to verify the authenticity of any and all accounts posted on a credit report by physically verifying the original signed consumer contract. Failure to do so opens the possibility of fraudulent accounts being included through fax, mail, or email submissions. 

I demand verifiable proof, such as an original consumer contract bearing my signature, for the accounts listed below. Failure to provide this proof signifies a violation of the FCRA : The following accounts are not associated with me and indicate potential identity theft or fraudulent reporting : XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry from : XXXX XX/XX/2022 I demand immediate removal of these accounts from my credit report. 

I am also invoking FCRA Section 605B, which specifically addresses identity theft and the obligation of credit reporting agencies to block fraudulent information resulting from identity theft. Given the inclusion of current and previous accounts that do not belong to me, I urge an immediate investigation into potential identity theft concerns and request that these fraudulent entries be blocked from my report. 

Moreover, I respectfully request proof of these alleged items, specifically the contract, note, or any instrument bearing my personal signature. Failing that, these items must be promptly deleted from the report. The inclusion of such entirely inaccurate and incomplete information represents a serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. I also request that the description of the procedure used to determine the accuracy and completeness of the information be provided within fifteen ( 15 ) days of the investigations completion. 

Furthermore, I demand the names, addresses, and telephone numbers of each credit grantor or other subscriber to my credit report. 

Your immediate attention to this matter is imperative to rectify the potentially fraudulent entries affecting my credit report.

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