Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my profound concerns regarding the accuracy and thoroughness of your recent investigation into the accounts listed on my credit report. Approximately one month ago, I submitted a request for an investigation due to suspicions of inaccuracies in certain reported items. However, I received a letter stating that the dispute had not been initiated by me, and the case was subsequently closed. I kindly request clarification on the investigative process employed and request detailed information regarding your verification methods. 

It is of utmost importance that I emphasize my status as a victim of identity fraud, as I have never held accounts with XXXX, XXXX, or XXXX XXXX XXXX and XXXX have already taken corrective action by removing these fraudulent accounts from my credit report, yet TransUnion has failed to do so. Furthermore, the erroneous and incomplete information you have reported has inflicted significant distress upon me. This inaccurate entry is gravely detrimental to my overall credit score, resulting in substantial financial and emotional hardship. 

In the event that you choose not to adhere to my request for the removal of the aforementioned entry or fail to provide the necessary documentation outlining your investigation, I will be left with no option but to initiate legal proceedings in federal court to uphold my constitutional rights. I have recently educated myself on constitutional consumer protection laws, as well as civil and federal court procedures, and I am fully prepared to represent myself pro se and formally file a lawsuit against your organization in the upcoming weeks. 

Additionally, I would like to draw your attention to a significant issue : Negligence : It has become evident that TransUnion LLC has failed to exercise due diligence in handling my credit information. My credit report includes multiple accounts that are fraudulent and plagued with inaccuracies and discrepancies, causing substantial harm to my financial standing and overall well-being. Such negligence constitutes a clear breach of your obligations as a credit reporting agency. 

In light of the above, I must bring to your attention the legal precedent set by TransUnion LLC v. XXXX. This case underscores the significance of adhering to consumer rights and the importance of accuracy and transparency in credit reporting. 

Failure to address these issues in a timely and satisfactory manner will compel me to take legal action against TransUnion LLC for negligence and violations of consumer rights. I am fully prepared to seek remedies available under the law, including but not limited to remedies similar to those sought in TransUnion LLC XXXX XXXX. 


Please ensure your response includes the following details : Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. 
What certified documents were reviewed to conclude your investigation? 
Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 
What was the cost incurred by your company to obtain the documents needed to complete your investigation? 
Please provide proof of your timely procurement of certified documents. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. 
Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. 
Provide the date of the commencement of delinquency. 
Please provide the specific date on which the items will cease to be reported. 

I kindly request a notarized affidavit to confirm the accuracy and truthfulness of the information provided, in full accordance with my civil rights protected under federal laws. It is crucial to emphasize that a generic response letter will not suffice. If you are unable to promptly furnish all the required details, as stipulated by various laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report.

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