Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction with the way my previous attempts to remove fraudulent items from my credit report have been handled. It has been an ongoing battle to rectify these inaccuracies, and I believe it is my right to have an accurate and error-free credit report. 

Over the past several months, I have discovered fraudulent items on my credit report when I requested a copy from your agency. These fraudulent items include [ list specific fraudulent items, such as unauthorized accounts, identity theft, etc. ], which I have never authorized or had any association with. It is crucial to note that these fraudulent entries have significantly affected my credit score, causing substantial financial damage. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I promptly initiated disputes with your agency to have these fraudulent items removed. I provided all the necessary documentation and evidence to substantiate my claims, expecting a thorough and timely investigation. 

However, my efforts have been met with repeated failures. Despite diligently following the dispute process and providing substantial evidence, I have received no resolution or response from your agency within the 30-day investigation period stipulated by the FCRA. This lack of response not only infringes upon my rights as a consumer but also perpetuates the financial harm I am experiencing due to these fraudulent entries. 

Due to the lack of action on your part, I have been forced to escalate my disputes by sending multiple letters and documents related to the fraudulent items. Regrettably, my additional attempts have also been met with silence and inaction, leaving me frustrated and financially burdened. 

I insist that you take immediate action to investigate and remove the fraudulent items from my credit report, as required by the FCRA. I also request that you provide me with a written response detailing the results of your investigation and the corrective measures taken to rectify my credit report within the legally mandated timeframe. 

Failure to resolve this matter promptly will leave me with no choice but to escalate my complaint to the relevant regulatory authorities and consider legal action to protect my rights as a consumer. 

I have enclosed copies of all relevant documentation, including police reports, identity theft affidavits, and any other evidence supporting my claims. These documents are a testament to the fraudulent nature of the items in question and should serve as the basis for their immediate removal from my credit report. Please assist me to remove the following items : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX Balance Owed : {$1000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$5200.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$8500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$280.00} US DEPT ED XXXX Balance Owed : {$3100.00} US DEPT ED XXXX Balance Owed : {$4900.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$4000.00} US DEPT ED XXXX Balance Owed : {$2500.00} US DEPT ED XXXX Balance Owed : {$6400.00} US DEPT ED XXXX Balance Owed : {$8800.00} US DEPT ED XXXX Balance Owed : {$7500.00} US DEPT ED XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief