Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Re : Transunions failure to correct inaccuracies on credit report. 

To whom it may concern. 

I am writing regarding Transunions failure to investigate an erroneous account that is reporting on my credit report. 

My initial contact with Transunion was on XX/XX/XXXX after reviewing my credit report, I noticed several accounts that were reporting inaccurately and requested that the accounts be removed. I received a letter from Transunion stating that they are on my side and here to help because it looks like the letter came from a credit repair company when in fact, it came from me. I sent them another letter dated XX/XX/XXXX with my ID and proof of address again to investigate the accounts. 

Transunion sent me the results of the investigation dated XX/XX/XXXX and stated the information was accurate however it was not. I then wrote Transunion again on XX/XX/XXXX asking them to please reinvestigate the accounts because after thoroughly reviewing it the information was still inaccurate. They completed ignored my letter as I never received a response Due to the new law about medical debt, one of the accounts was automatically removed from my report. 

On XX/XX/XXXX, I sent another letter to Transunion demanding that they reinvestigate the other account that is still on my report because at that point, I was completed exhausted. Transunion sent me a letter dated XX/XX/XXXX like the one they sent me dated XX/XX/XXXX saying they are on my side and here to help. Again, I sent them a letter dated XX/XX/XXXX asking them to delete the account from my report. Transunion sent me a letter dated XX/XX/XXXX stating the account was verified as accurate. Ive contacted the XXXX XXXX on several occasions, and they have never been able to validate the alleged about per the FDCPA. 

As you can understand, I was very confused at this point because after auditing my credit report once again, the information that I disputed was still reporting inaccurate, yet Transunion somehow verified that it was accurate. 

After several attempts to get the erroneous information removed, absolutely nothing has happened. My credit report and credit reputation are in pure shambles due to Transunions negligence. I am depressed, frustrated, and I am constantly wondering what my current creditors think of me and what my financial future looks like because this inaccurate information is having a negative impact on my credit report and has caused me denied credot/ may cause me denied credit in future. 

I am aware of the tens of thousands of complaints against this credit reporting agency for their neglect when it comes to investigating consumer disputes, specifically in my case. I am requesting that Transunion is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any all inaccuracies from my credit report. 

This is causing serious harm not only to my ability to establish credit, find a good job, and provide a life for me and my family, it has caused a huge mental strain on my credit reputation. 

For your convenience, Ive attached all correspondences that Ive had with this company. Anything else you need from me or would like for me to do, Ill do it... just let know. 

Thank you for your immediate attention to this matter Thank you,

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