Consumer complaint received 2023-07-17
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: Investigation took more than 30 days

Complaint:
I am writing to express my deep concern and frustration regarding the negligence displayed by your credit bureau in properly investigating my disputes and updating my credit file. Despite providing ample documentation, including police reports and evidence of fraudulent activity, you have failed to acknowledge the legitimacy of my claims and have disregarded the required procedures outlined by law. 

I have made several attempts to dispute the accuracy of certain accounts on my credit file, as they are associated with fraudulent activity. These accounts have been wrongfully linked to my name and have caused significant harm to my creditworthiness. Despite my repeated efforts, you have blatantly ignored the evidence I have provided, including police reports that clearly identify the address associated with these accounts as a fraudulent address. 

According to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to dispute any inaccurate or fraudulent information on my credit file. Under the FCRA, credit bureaus are required to conduct a reasonable investigation within 30 days of receiving a dispute and provide a written response acknowledging the receipt of my dispute. However, you have failed to comply with these obligations and have not provided any updates or resolutions to my disputes within the required timeframe. 

Furthermore, the FCRA mandates that when an account is under dispute, credit bureaus must refrain from reporting that account until a thorough investigation is conducted. However, you have disregarded this obligation and continue to report these disputed accounts on my credit file, further damaging my credit standing. 

I demand that you take immediate action to rectify this situation by : Conducting a thorough and unbiased investigation into my disputes, taking into consideration the police reports and supporting documentation provided. 

Updating my credit file to accurately reflect the fraudulent nature of the accounts in question, as clearly indicated by the police reports and other evidence provided. 

Ceasing the reporting of these disputed accounts on my credit file until a proper investigation has been completed and a resolution has been reached. 

Failure to comply with these demands within a reasonable timeframe will leave me with no choice but to escalate this matter and seek legal remedies to protect my rights under the FCRA. 

TRANSUNION THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXXXXXX XXXX XXXX Account last four  # XXXX ( DOES NOT BELONG TO ME ) XXXX Account XXXX  XXXX  # XXXX ( DOES NOT BELONG TO ME ) XXXX XXXX XXXX Account last four XXXX ( DOES NOT BELONG TO ME ) XXXX XXXX XXXX  last four # XXXX ( DOES NOT BELONG TO ME ) THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXX AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX  ( DOES NOT BELONG TO ME ) Account last four # : XXXX XXXX XXXX XXXX ( DOES NOT BELONG TO ME ) Account last four # : XXXX XXXX XXXX XXXX ( DOES NOT BELONG TO ME ) Account last four XXXX XXXX XXXX  ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX XXXX  ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX XXXX  XXXX ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX  ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX XXXX XXXX XXXX  ( DOES NOT BELONG TO ME ) Account last four # XXXX XXXX XXXX XXXX XXXX ( DOES NOT BELONG TO ME ) Account Last Four # XXXX XXXX XXXX XXXX ( DOES NOT BELONG TO ME ) Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME XXXX XXXX AAccount Last four # : XXXX - PAID AS AGREED ON XXXX  XXXX THE FOLLOWING ACCOUNTS TO NOT BELONG TO ME : XXXX XXXX XXXX Account last four # : XXXX XXXX XXXX XXXX Account last four XXXX XXXX Account last four # XXXX XXXX XXXX XXXX last four # XXXX XXXX XXXX XXXX  Account Last four # XXXX THE FOLLOWING ACCOUNTS ARE NOT LATE AND NEEDS TO BE UPDATES AS PAID ON TIME AS AGREED : XXXX XXXX Account last four # XXXXPAID AS AGREED ON TIME THE FOLLOWING ADDRESS DOES NOT BELONG TO ME- DELETE XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX

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