Consumer complaint received 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Around late XXXX I was reviewing my credit report and I noticed an inquiry from a car dealership that I did not authorize. The inquiry was made on XX/XX/XXXX. As soon as I noticed this Inacurate inquiry I immediately tried to contact the company listed via telephone and mail. The company barely answers their phone and when they do and Im rerouted, hung up on. I then moved one to disputing this inquiry with Trans Union with multiple letters and received returned that is from them with no sort of verification of them investigating this. Ive called Trans Union multiple times regarding my letters about this inquiry and was informed its factual and can not be removed until after two years. I felt my rights were violated as no thorough investigation was completed, I was shrugged off and basically told wait two years for it to come off. I have yet to see any proof nor signature of me authorizing does inquiry. Around XX/XX/XXXX I spoke with a rep who stated the same routine script and stated I need to follow steps and file a FTC report for identity theft And submitted to Trans Union. Around XX/XX/XXXX after completing the identity theft on FTC website which redirected me to CFPB per their options ( credit report, credit card etc. ) I found the report and on the XXXX I mailed it out to Trans Union certified for what their instructions were. On XX/XX/XXXX I called Trans Union to follow up on this again as I was told once they receive the FTC report it should take up to five days, the rep stated The same script over the phone of how to handle this inquiry the options that were given to me was to contact the company or file a FTC report. I stayed into the rep that I followed all the stuff that they told me to and that I did file the identity theft report, I didnt ask for a supervisor to look into my request. The supervisor stated that they saw my letter regarding removing the unauthorized inquiry and the identity theft report filed with CFPB. She then went on to state that I completed the Report with the wrong filing company, she said it shouldve been completed or filed with FTC. As of yesterday XX/XX/XXXX while on the phone with the agent from Trans Union I was explaining to them that when I went to file the report/claim on FTCs website it redirected me to CFPB. The agent still did not budge nor try to understand so I requested a supervisor again. The supervisor came onto the phone I asked them to look at my file to see if they received my CFPB letter, at first he said he didnt see anything then he looked again and saw. He stated to me that it looks like a car dealership that I went to ran my report and that is what they do, that it will be two years until it falls off. I was furious because their job is to investigate and report accurate information and not violate consumers rights under FRCA. I went on explain to him that I followed all the steps and protocol that their last supervisor stated for me to do I also explained to him that when I went on FTCs website It continuously redirect me to file a complaint on CFPB. At this point many violations have been put in place by Trans Union.

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