Consumer complaint received 2018-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Both of these agencies have refused to resolve dispute matters I sent in several reporting letters to both Transunion and XXXX  TransUnion has never sent any formal response back to my disputes and XXXX   sent a letter asking for an address update and so forth like that which I provided to them over a month and a half ago and I still haven't got any remarks comments or anything back from them TransUnion has consistently allowed people to and really both credit reporting agencies allowed organizations to create multiple reporting accounts of the same account on my records so the same creditor appears more than once on my credit report often just recently they are starting to clear some of that up but the fact that it was done even once for even one month was detrimental to my credit Health showing that I had more negative accounts than I actually did furthermore and trying to dispute these matters the remarks from TransUnion on there profile says such comments as consumer disputes account but it meets the fcra requirements so I would like to know what fcra requirements allows you to fall asleep Bill and report an account that is not an accurate balance or number of accounts in my name furthermore there are several companies that I have already been making payments to that have refused to update the balance on my credit reports that should reflect that my balance is actually being paid down and paid off but they're still reporting on the matters every month so the account balances are not accurate at all either trying to dispute matters with the companies directly with XXXX and Transunion has been extremely unsuccessful most of the time they don't even send me mail when I call in it's even a further of an issue the most XXXX personally has done has mailed me the copies of my credit report as I've been declined for other business services but other than that they have done nothing to investigate resolve or dispute matters these agencies that seem to have no regulation sitting here letting people put multiple accounts in my name with derogatory comments and which it is being detrimental to my credit health and they're not doing a darn thing about it this is crazy this is my final attempt to get both of these agencies to process the disputes and to check the account balances and so forth before I just go ahead and hire an attorney and sue them for Consumer Fraud for having allowed such activities to go on I have several letters I have mail to both of these companies even sent certified and they still haven't replied to and this is been going on for years and I'm sick of it I'll go to court and get fee waivers because I only receive Social Security and will be in court for years if they want to keep playing games I'm sick of this I really am I don't care if you guys don't like the terminology I'm using or not if you have my time to waste four years with fraudulent credit reporting that I can go back and forth and small claims court all year long as well

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