Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Years ago, I was a victim of identity theft, I recently discovered this in XXXX when I decided to take a look at my credit report because I am looking to purchase another home in the near future. I provided thorough and supporting documentation proving my identity and that anything other than what I provided isn't mine and to investigate and remove it from my credit report. This information was provided to the XXXX major credit bureaus XXXX, XXXX and Transunion. Instead of investigating the inaccurate information, Transunion sent me this stall letter as they send to everybody whose credit report they don't want to investigate. I know this to be true because my husband is fixing his credit as well and they sent him the same letter. The addresses I sent below are the addresses I am associated with. They stated that they " received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or *credit clinic*, they have to identify themselves in their communications to us and provide proof that you've authorized them to communicate with us on your behalf. '' I enclosed in my previous letter to them, proof of address, and my license. So, my question is how it appears that I didn't properly send it to them or identify myself through the communications we had with each other when I sent everything needed to identify myself as XXXX XXXX XXXX XXXX XXXX What I am looking for them to do is to remove the inaccurate information and stop violating my rights as a consumer and follow the fair credit reporting act laws. I've enclosed what the letter says as well as what I sent to them : We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or *credit clinic*, they have to identify themselves in their communications to us and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. Find out more about how to manage the information on your TransUnion credit report at transunion.com/repairletter. 

If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

You can count on us as a resource as you work to achieve your credit health goals- we want you to be able to get the financial opportunities you deserve. 

Sincerely Your TransUnion Support Team.

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