Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/2020, I discovered fraudulent entries on my credit report and took action immediately by contacting all credit card and loan companies involved, as well as the police, the Federal Trade Commission, and all the credit bureaus. Transunion told me that hard inquiries on my credit report by XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX will be removed from my account when XXXX and XXXX XXXX informs Transunion that the inquiries are fraudulent. 
On XX/XX/2020, XXXX XXXX XXXX XXXX ( XXXX ) completed its investigation and sent me a letter stating, " the investigation on the account in your name has been completed. XXXX agrees with your claim that this account was opened fraudulently. We have notified the three national credit reporting agencies to delete the XXXX account from your credit file '' ( Letter attached ). 
On XX/XX/2020, XXXX XXXX XXXX Customer Fraud Protection Agent XXXX sent me a letter stating, " I've sent updated information to the credit bureaus for them to remove this XXXX XXXX account from your credit file '' ( Letter attached ). 
I followed up with Transunion in XX/XX/2020 and was told it can take up to 60 days for the hard inquiries ' removal to reflect on my credit report, be patient. When 60 days passed, in XXXX, I was told to wait longer as it could take 90 days. After 90 days passed, on XX/XX/2020, I followed up with Transunion again, and spoke with Supervisor XXXX. XXXX said Transunion 's systems are perfect, and I should not have to wait 60 to 90 days because Transunion would have taken action immediately if XXXX and XXXX XXXX sent information to Transunion that the hard inquiries are fraudulent. XXXX confirmed the hard inquiries still show on my credit report, which XXXX said means XXXX and XXXX XXXX never sent the information to Transunion. I again called XXXX and XXXX XXXX and both reiterated that they sent the info to all three credit bureaus as stated in XXXX. Transunion, XXXX, and XXXX XXXX all agree that these are well-established companies that know how to properly send information. Yet Transunion insists that both XXXX and XXXX XXXX separately somehow failed to send the information, while both companies insist they did sent it. Also, from checking my account on all three bureaus, XXXX evidently received the info and took action, but Transunion did not. XXXX and XXXX XXXX said they send info to all three credit bureaus the same way, so XXXX XXXX action proves the info was indeed sent. I called Transunion back on the same day to communicate what XXXX and XXXX XXXX again confirmed, but Transunion continued to deny that they ever received such information. 
Attached with this complaint are letters from XXXX and XXXX XXXX from XX/XX/2020, and a screenshot from Transunion showing the hard inquires are still there.

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