Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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: Problem with personal statement of dispute

Complaint:
In XXXX to Complaint XXXX XXXX XXXX This is in response to Transunion And XXXX and XXXX I have disputed this information you have place on my credit report and again its wrong.. If your investigation is as fast as you responded to the letter I wrote the CFPB I see why its always wrong nowYou have failed to investigate even failed to place a notice of dispute on my credit report. The Fair Credit Reporting Act was placed for the reason of unfair erroneous practices and reporting. You dont realize or dont care how much of an impact you have put myself my family even employment at risk. Im 39 yrd old almost 40 and I have to be placed as authorized users on credit cards just so I can even have a chance of having some what of a credit profile. WHEN in fact I had good credit this whole time.. You have put me and my husband in a bind financially and mental exhausted us. I have sent you ( TRANSUNION ) an FTC report for fraudulent accounts and inquires and unauthorized transactions and you have ignored everything I have sent to you. Even after the FTC report Im still getting letters of collections ( WILL BE ENCLOSED IN LETTER ) .So im enclosing this information to you. I wrote on credit report as I did before. I want you to see how can you do a loan modification, or a loan refinance and have inaccurate information that is conflicting with other accounts. I have been with XXXX since XXXX untill XXXX and I cant go anywhere to get a loan because you and these credit bureaus Transunion, XXXX, XXXX and the furnisher XXXX have continued to ignore the obvious. The furnisher doesnt know the information. You deleted accounts you changed dates, You have done everything and cant get it right. So once again I want all My OneMain accounts perfect 100 % payment history and I hope this letter in the evidence that I send will show how these creditors and the Credit Bureaus dont verify dont investigate or reinvestigate nothing I will in fact will sent this letter to the FTC and CFPB and my Kentucky Attorney General Office and any other government agency to so show them. I believe they reported information to keep me in a world of high interest and long time reporting of wrong information for profit and gain. They knew by reporting wrong information they would make me have no choice but to do business with them because noone would give or lend me any credit because of credit history they provided that was false and not accurate and unverifiable. TRANSUNION And XXXX XXXX is in clear VIOLATION of my rights. If you look at there response to me through the CFPB portal, Transunion responded faster than the XXXX XXXX and XXXX Transunion instead of deflecting what you have done you should take what you have been giving me and my family for years its called acceptance. So tell me? What does My daughter trying to commit suicide because I cant put her to college, My husband having to used up all his credit to carry this family on his back. Hard times during a freaking pandemic. Interest on top of Interest that I and my husband didnt deserve. HUMILIATION DEFIENTATION OF CHARACTER, EMPLOYMENT CHANCES, HIGH INSURANCE and not able to get a home. Like I said when I wrote the complaint you have no idea what Transunion and XXXX and the Credit Bureaus have done to me and my family. I hope the Agencies I have named will hold you accountable. Thats what this is about you hold consumers accountable, but when the shoes on the other foot you want to act like you have done everything your suppose to do. Well you havent and I will go to Federal or State Court to receive what I feel is owed to me and the hardship you have done to me and my family. Enclosed are documents with notes so you can understand how your reporting is haunted me for years. Also enclosed with permission of my husband is his credit profile. You can see where my husband has my car, his car, my daughter car and her education all on his back. Once again I ask the you 100 % payments And my accounts that you deleted trying to hide evidence back on my credit report with 100 % payments. Now like I said before I hope the Agencies hold you to the highest part of the law. And I hope I can get my life as well as my husband life back and have a home and live a life I deserve. 
ALSO Notice FTC report Still no dispute labled!!!!!

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