Consumer complaint received 2021-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I would like to thank Transunion for once again violating my consumer rights by refusing to investigate the evidence and documentation that I have provided. How is it possible for Transunion to provide an interim response on XX/XX/XXXX and then response with a stall tactic in which they allege that I am an unauthorized party acting on my behalf on XX/XX/XXXX. This is my second attempt to have this issues resolved as I have attached a copy of the first CFPB complaint. 

My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and no other individual. I authorize the CFPB to investigate this claim and urge TransUnion to follow FCRA law and do the same. I, XXXX XXXX XXXX, have attempted several times through multiple FCRA disputes and Consumer Finance Protection Bureau complaints, to get TransUnion Consumer Solutions, to comply with the following Federal Credit Reporting Act regulations/violations that they have committed : FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 611 ( a ) ( 1 ) ( A ) Failure to conduct reasonable investigation into disputed information 611 ( a ) ( 7 ) Failure to provide the method of verification and description of reinvestigation procedure as required in ( 6 ) ( B ) ( iii ) 611 ( a ) ( 5 ) ( A ) ( i ) Failure to delete unverified information The unverified accounts are listed below : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VISA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As of XX/XX/XXXX, TransUnion Consumer Solutions, has never provided me with documented proof of a thorough investigation conducted into the items in question that are listed on my credit report ; nor have they provided me with verifiable proof of any documentation bearing my signature that I have requested multiple times. Such willful negligence is a direct violation of : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Violation 609 ( a ) ( 1 ) ( A ) Failure to clearly and accurately disclose to the consumer proof of original contract verifying account in consumer 's name I have only, to this day, received transcripts of communication with the creditors listed through their E-OSCAR system, using ACDV forms ( a common practice with consumer data agencies ), which automatically yields the disputed accounts as verified : and also a common FCRA violation ) If I am remiss, I immediately demand the following : Transcripts of human communication between TransUnion Consumer Solutions and each creditor listed, in which TransUnion can provide proof that the actual dispute letters were sent to the creditors, ( and not automatically ran through their E-OSCAR system generating a pre-populated code onto an ACDV form and read to the creditor ) ; yet a common practice with CRAs. Communication responses from the creditor each time an actual dispute letter was sent to them and their actual written and documented response, which TransUnion should have in their records The documentation that TransUnion Consumer Solutions should have on file in regards to the creditors alleged attempts to contact me in regards to : FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] : and in regards to the actual dispute letters that the creditors should have received and investigated and henceforth notified me via mail of such investigation while also notifying TransUnion Consumer Solutions ; seemingly, if no actual hardcopy dispute letters were sent and received by the creditors, then TransUnion has never actually conducted an actual investigation with the four creditors listed in regards to FCRA 611 ( a ) ( 1 ) ( A ) Dates, and times of the actual human to human interaction in which TransUnion should have in their records Verifiable proof of the original contract bearing my signature on behalf of the four creditors listed that TransUnion should have on file. If such a contract does not exist in TransUnions database, then TransUnion has no legal right to continue to furnish such unverifiable data. I am beyond the statute of limitation time frame to seek compensatory damages in regards to FCRA 616 and FCRA 617. Filing suit in small claims court is simply something I do not want to do as TransUnion can easily solve this matter by removing these accounts from my credit profile. Included, is a small claims court form in which I stated the FCRA violations that TransUnion has committed and the compensatory damages I am owed for their willful negligence in violating the law and my consumer rights in regards to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] At this point, this is strictly a legal issue, as no other governing body, including the FTC or CFPB can make a ruling on this matter. I have exhausted all of my resources as only the local court system can articulate and ultimately decide whether or not my rights were violated and whether or not I am owed compensatory damages. THIS IS MY FINAL ATTEMPT TO MANDATE THE DELETION OF THESE FOUR UNVERIFIED ITEMS. I have attached a copy of my small claims court suit against TransUnion that I fully intend to file if these four items are not removed from my credit profile. If such items remain on my credit report, TransUnion should prepare to receive notice of the subsequent court date soon.

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