Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MD XXXX XXXX : Transunion failure to correct inaccuracies on credit report. 
To whom it may concern. I am writing in regards Transunion failure to investigate erroneous account that is reporting onto my credit report. 
My initial contact with the 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. However, they sent me a reply letter on XX/XX/XXXX, and completely ignored one of the accounts-XXXX XXXX  Unit that I disputed. 
I then wrote the Transunion again on XX/XX/XXXX, asking them to please reinvestigate the account because after thoroughly reviewing it the information was still inaccurate. 
I received the results of my second investigation request from them on XX/XX/XXXX and yet again, they stated that the account was verified as accurate. 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 the Transunion somehow verified that it was accurate. 
At this point I wanted to know how that was even possible, so I then wrote them a dispute letter on XX/XX/XXXX asking them how they verified this information as accurate. On XX/XX/XXXX, I received a response from them stating that the so called investigated the account again, the outcome was that it was accurate. After reviewing my credit report yet again, I found that the account was still not accurate. Therefore, I requested yet again another reinvestigation on XX/XX/XXXX. 
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 the Transunions negligence. I am XXXX, 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 may cause me denied credit in future. My future.

I am writing you because my back is against the wall. I have no other options. I really need your help.

I am aware of the tens of thousand 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 my family, it has caused a huge XXXX XXXX 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.

Regards, XXXX XXXX

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