Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NOTICE OF DISPUTE ( IDENTITY THEFT ) This complaint is in regard to TRANSUNION not meeting the requirements implemented by Congress to ensure reasonable procedures that would prevent inaccurate, unverifiable and false information on a consumers report, in accordance with title 15 U.S code 1681.

My last dispute of these 3 accounts : 1 ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX was sent to TRANSUNION on XX/XX/XXXX, by certified mail and through the CFPB portal. The contents included my notarized Affidavit of Truth under the penalties of perjury, see Exhibit A, and a copy of page 2 of my identity theft FTC report, see Exhibit B, indicating I was a victim of identity theft. If TRANSUNION looks up my account, there will be records of these notices. However, there was never a proper investigation in the beginning to make sure this information belonged to me, nor was there a proper re-investigation done ( as required by the FCRA ) when I disputed. TRANSUNION failed to follow procedures outlined under 15 USC 1681c-2, which includes blocking and notifying the consumer of their course of actions. In their CFPB response, they indicated that they would send me written notifications of their findings and investigations to my dispute, see Exhibit XXXX However, I never received any notice from TRANSUNION XXXX 
I disputed this information with XXXX, XXXX, TRANSUNION and the furnisher. XXXX, XXXX and the furnisher were compliant and immediately blocked and deleted these accounts from my consumer report as required by FCRA. However, I did not understand why TRANSUNION did not do the same, and why I never received any written notice of their investigation until I did more investigation and discovered that the CFPB reported only 4.1 % of complaints were resolved in XXXX, compared to nearly 25 % of complaints in XXXX before the pandemic. TRANSUNION specifically only fixed between 49 % XXXX % of disputed credit reports during this time last year, see Exhibit XXXX It is also mentioned that around XXXX XXXX disputes were thrown out because they suspected the disputes were from credit repair agencies. 
After these findings, I can conclude that TRANSUNION, discarded my identity theft claim and did not due proper diligence in reading my complaint because they thought that a credit repair agency was writing on my behalf, or they were too inundated with complaints to factor in mine. I am a consumer, a natural person who is fully aware of their rights under federal law. TRANSUNION fails to maintain maximum possible accuracy with these specific accounts when they dont appear on my other consumer reports. I am not affiliated with any credit repair agency. I write my own disputes because only I know and can be the only true, verifiable witness. As a result of TRANSUNIONs non-compliance and failure to perform required investigations under federal law, I have been denied housing, and extension of credit specifically because of these three accounts on my report that only appear in my TRANSUNION report. This has affected me emotionally, and physically. My TRANSUNION report is not equitable to me. The only person that is gaining from my report is TRANSUNION and this is illegal and unlawful.

This is the last time I am writing for this to be blocked and deleted from my consumer report. If these reports are not deleted no later than 4 business days as required by federal law, I will be filing a court action to include more charges in addition to my invoice attached. Regards

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