Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2022 I submitted a dispute and a complaint with the CFPB about The XXXX Consumer reporting agencies XXXX and TransUnion and XXXX reporting and furnIshing inaccurate Information on my Consumer report. All XXXX are reporting inaccurate and different information FRCA States all Information Reporting Must be Accurate ( TransUnion ) the consumer reporting agency responded to those disputes and complaints on XX/XX/2022 " the complaint ID '' ( # XXXX ) and in the companys response to my complaint was this : ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

( After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days.

" DESCRIPTION OF NON-MONETARY RELIEF '' In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INCUPDATED Other miscellaneous actions take based on your request were : Inquiry NOTIFICATION SENT TO CREDITOR ) My TransUnion Credit file is inconsistent as well as inaccurate From : *Personal Information *Date Opened, *Last Reported, *Date Last Active *Date Last Active *Date of Last Payment *Comments all the Accounts in Question are all inaccurate and inconsistent which is a violation of my Consumer Rights Below are the Inaccurate Accounts in Question : # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX After further review and doing my own investigating By obtaining a recent copies of my Consumer report and I made Comparisons and found the same inaccuracies that I initially made a dispute and complaint about that they indicated were either deleted or updated were actually still currently on my file and also reporting inaccurately as well which is a clear indication that they did not do a complete proper investigation as they claim and they also have violated my Consumer protection rights I am furious that these accounts are still reporting inaccurately on my Consumer report and affecting My life Negatively after it was suppose to be investigated properly and removed I will enclose the Necessary proof to back up my Dispute & complaint my rights were violated once again because I never gave anyone my written consent or any instructions to furnish any information to my Consumer report which is another violation Under the Consumer Protection Law : 15 USC 1681 section 602a States I have the right to privacy 15 USC 1681 section 604 a section 2 it also States a consumer reporting agency can not furnish a account without my written instructions 15 US CODE 1681 S-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH INACCURATE KNOWLEDGE OF ERRORS ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer or to any consumer reporting agency if ( I ) The person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and ( II ) The information is, in fact, inaccurate You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ENCLOSED BELOW IS PROOF OF EACH INACCURATE ACCOUNT IN PDF FORM EVERYTHING THAT I HIGHLIGHTED IN YELLOW IS INCORRECT AND INACCURATE!!!

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