Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please pay attention this time around. I previously disputed some information on my Transunion report, and I do not feel as if I was provided a fair and equitable solution as a consumer. The company did not address, or respond to any of my concerns, nor any of the violations that occurred. Everyone ignored it, -even you, the CFPB, when it is your duty to ensure Federal law is being upheld! Transunion responded to my complaint with the word " updated '' next to each item of the disputed information. Yet, to this day, I have no clue what was " updated ''. Wouldn't " updated '' mean the information wasn't correct to begin with? Why was the information altered, and not deleted?? Also, to this day, none of the disputed companies provided me with ANY legal and irrefutable documents baring my unique signature, such as any original contracts, or any clear and conspicuous disclosure forms that were allegedly provided to me in order for this information to be reported, etc. I have expressed that my right to privacy is being violated by multiple entities, and you, the CFPB, is not doing anything about it. I should not have to keep going through this! Federal law states that my consumer report is to be 100 % accurate and truthful, and it is NOT. The fact that Transunion never responded to my certified mail on multiple occasions, alone is grounds for removal! Why is any of the following information still reporting??? 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their blatant disregard for fairness, privacy, and accuracy is obvious. Now they are being willful noncompliant. I ask yet again for the disputed information to be deleted for the following reasons 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 ; 15 U.S. Code 1681 ( 2 ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. Congress states that the behavior I am experiencing impedes the banking system and results in loss of trust. I have experienced tremendous mental anguish and injury due to these matters. or delete them immediately! Lastly, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX were deleted and I specifically requested that they not be deleted. Please reach out to them to have them report again. Both were reporting a couple of missed payments, which were not accurate. I just wanted the creditor to correct the payment history. The accounts ended up getting deleted anyway. Reading is fundamental! Now accounts that I have had years of history with are gone and due to someone not reading simple text further injured me, and is affecting to obtain new credit cards, as well as a new vehicle because one of them was an auto loan. Now I am experiencing even more difficulty in my life. How do you delete the accounts that belong to me but refuse to delete the accounts that don't? This makes no sense! Please reinvestigate these matters. I do not consent to E-Oscar.

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