Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I have sent Transunion two certified letter, notated by my credit union with a copy of my ssn and drivers license for disputing items off my credit report. One letter was mailedXX/XX/XXXXXX/XX/XXXX they mailed the investigation results summary back XX/XX/XXXX, I immediately call Transunion and ask to spoke to a manager and then when the manager got on the phone I ask to speak to their manager. A gentleman answer the phone, I explained what happen and apologize about the issues and concerns. He ask me to fax in the documents, I informed him that I will mail them certified mail again with different letters. I also informed him that things were taking off my credit report as deleted from Transunion and later put back on. So, on XX/XX/XXXX I mailed 4 letters and supporting documents to back my claim up. That brings me to today, I call to check the statues on the dispute letter I sent XX/XX/XXXX, one young lady told me they never received it the only one they have was the XX/XX/XXXX  I ask to spoke to a supervisor or manager, she forwarded me to the supervisor who told me that my disputed letters looks the same and that every time I sent letters in that nothing would be done on my credit report and yes we did get the XX/XX/XXXX letter but so what they looks the same, I asked her was there any other documents with the letter she said no. I said I need to speak to someone else because you are rude and very unprofessional and unacceptable, she told me I am the next step there is nobody over me. I ask her what is the number or website to file a complaint and she rush to give me that and they hang up. I do have names of this person I spoke with and have all my documents to prove they have violated the FCRA law. I have Proof Accounts was deleted and Transunion violated my rights. I have be writing letters after letters since XX/XX/XXXX, spending money that I really do n't have. I am asking the CFPB to step in and help, I cry and cry because Transunion has be giving me the run around sinceXX/XX/XXXX. I ask her did they provide documents to show I owe this money, she said they do n't have they told us. I told her that I understand that this type of reporting is all electronic.There is no paperwork, it 's all digital. There is never a verification of any signed documents or contracts or anything. Every month, without fail, banks and credit card companies send electronic files with details of your account to the CRA 's. The Credit Reporting Agencies or bureaus place this information into your credit report without VERIFICATION. No one is checking if this account is really yours. No one is checking if the information is CORRECT. No one is checking on the banks or creditors to make sure that they are doing the right thing. Please help

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