Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For over 18 months I have been demanding that Trans Union delete incorrect and incomplete information from the consumer profile concerning me. I have demanded that they provide me with a complete copy of the consumer file concerning me as required by Fair Credit Reporting Act 609 to include the names of employees of alleged creditors that they allegedly spoke with to verify and validate all the information. 

XXXX has found that none of the accounts that I've demanded deletion could be validated and therefore permanently deleted them as they were supposed to and which Trans Union is failing to do in opposition of the law. I am attaching proof that XXXX has deleted the information. The companies of some of the accounts do not even legally exist and therefore I can not make contact with them through the mail or by phone. 

Trans Union also claimed that they verified and validated a bankruptcy, but as you can see in the attachments, The US Bankruptcy court clearly states that they do not furnish information to credit reporting agencies. This means there is nothing in the consumer file concerning me in Trans Union 's possession that certifies that the information is true, correct, complete, and not misleading, which is a requirement for furnishing. This also proves that I did not give permission for this to be included in any consumer profile or consumer report concerning me. Trans Union is defaming my character, falsifying information, re-aging accounts from companies that do not exist, causing business disparagement, and intentional infliction of emotional distress. 

I demand that Trans Union PERMANENTLY DELETE the following accounts immediately or pay me for my actual damages suffered by their failure to insure maximum possible accuracy of the information contained in the consumer profile and consumer reports concerning me : 1. Bankruptcy - XX/XX/XXXX no permissible purpose, not certified or validated. 
XXXX. XXXX - company does not exist. I have never done business with this company. 
XXXX. XXXX Bank - missing information, illegally re-aged, and changed from XXXX to XXXX Bank, which one is it? Your information does not match XXXX and did not match XXXX, therefore, you couldn't have possibly investigated to conduct a lawful validation of debt. 
XXXX. XXXX OF XXXX- this company does not exist. I have never done business with this company. Information on this account is different depending on the credit reporting agency which means Trans Union has not spoken to an actual person to validate the account 's accuracy. All information is not accurate. Impossible for a company that does not exist. 
XXXX. XXXX XXXXXXXX - ( Inquiry XX/XX/XXXX ) I did not give this company permission to access the consumer profile concerning me. 

There seems to be integrity issues at Trans Union amongst those claiming to conduct investigation of disputes. I do not believe you're actually contacting the alleged creditors and data furnishers at all.

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