Consumer complaint received 2022-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
******CFPB*****THIS DISPUTE IS NOT A DUPLICATE*****I AM A REAL HUMAN BEING ****NOT A CREDIT REPAIR AGENGY****I AM REQUESTING A RESPONCE FROM THE CFPB AS WELL AS THE CREDIT REPAIR AGENCIES****I AM REQUESTING THAT TH CFPB RESPOND TO THE ASPECT OF CIVIL PENALTIES FOR THE VIOLATIONS COMMITED BY THE CREDIT REPORTING AGENCIES LISTED IN THIS COMPLAINT**** *******DO NOT CLOSE MY FILE AS COMPLETE WHEN THE CREDIT REPORTING AGENCIES RESPOND AS I WANT TO HEAR FROM THE CFPB******* This complaint is bing lodged against Transunion and XXXX credit reporting agencies, due to the willfull neglect both agencies have shown to my previous disputes.Their neglet has caused me to endure financial hardships and restraints when if they had addressed my disputes correctly then this would have been resolved months ago. The complaint is also being lodged for the countless ways they have disregaurded the FCRA, FACT ACT, and the South Carolina Consumer Reportin Act wich is the state in wich i reside. 

The above mentioned CRA 's have recieved more than XXXX disputes and move than XXXX phone calls apiece pertaining to the XXXX XXXX account of my credit file.I have explained each time the I am disputing on the grounds that I was told XXXX creditor that the account that has been listed as a " charged off and paid for less than full balance '' would never be listed in a negitive manor instead would be listed in a positive manor only " paid in Full '' Each CRA has only come back with a statement saying that the file was verified by the lender and that the file was updated. 
The Facts Act states that there is to be a reasonable reinvestigation into the manor where the word of the creditor is not the only thing taken into consideration and that the file is to not be updated solely on the word of the creditor, XXXX is exactly what has been done each and every time.I have also explained to The above mentioned CRA 's that the creditor XXXX XXXX openly admited listening to recording that they have in their possesion to make a statement that " after listening to our recordings that my claim held no XXXX '' I advised the above mentioned CRA 'S that after reading the responce of my cfpb complaint with that responce in it. I formaly requested from the creditor any evidence including but not limited to the listened to recordings that that they used against me in making their decision in my complaint/dispute, and they refused to supply the formaly requested evidence with in itsself is grounds for immediate deletion of the XXXX XXXX Account from my credit file, as stated in XXXX and white in the FCRA.They are and have been some time now been blatenly dissregaurding the FCRA and the rights gaurenteed to me by the FCRA, South Carolina Consumer reporting Act and the federal FACTS ACT. 

Futhrer more if XXXX finance refuses to supply evidence to prove that their represenitive never said that or made that deal with me, and I have heald steadfast in my statement that they did make that statement.and they openly admit to possesing the evidence to prove one way or another it makes the account unverifiable and never should have been updated ever again because it then makes anything that the CRA updatted my fraudulant u nverifiable informagtion.. 

On the attatchment included with this complaint you will find the section of the south Carolina Consumer Reportin Act on disputes and listed below are the violations that have been commited by each of these Credit reporting bureaus.I have Kept Absolutly ever piece of paper ever sent to me from both of the bureaus and there are many items, and steps that were suposed to be taken by these bureaus that were nev er done or even mentioned, and if they have done me this injustice haw many other Americans are they doing this to I will Leave it in the hands of the cfpb To do the Math on the penalties owd by these CRA 'S, I am not as much looking for financial gain as i am to right the wrongs to my credit these BUREAU have done I would like my score proactivly worked to correct the months of negitive reporting that they did and I want the XXXX XXXX report removed from my report im immediatly. 
I feel that this is the lesser of the routs that can be taken by all because if taken to federal or civil court this is an open and shut case even with out anything but the disregaurd for the processes to be followed outlined by the **CFPB in their responce requirments that have not been followed at all in countless complaints ( wich i have copies of all ) **FCRA dispute and reinvestigatve outlines that were disregaurded 100 % of only certain parts were adhered to **FACTS ACT reinvestigative guidelines and responce to consumer protocalls blatently disregaurded XXXX XXXX Consumer reporting Reporting guielines totally disregaureded they have never responded with even a partial amount of what the should the only thin I have ever gotten Period was a credit report stating that the account was verifiedand updated **dispite request to XXXX and TRANSUNION requesting an explanation of the steps taken during the investigative process i have never recieveed anything at all past a credit report ***************Violations of of attatched copy of South Carolina Consumer reporting Act Section XXXX Violations listed by letter in lue of transcribing the entire subsection see attatched document for corasponding letter to articulate violation Sub section A Sub section B XXXX XXXX XXXX XXXX XXXX XXXX  XXXX**CRA 'S should have followed guidlines in Subsection XXXX CRA 'S are now without a shadow of a doubt very liable and subject to all of the following : Section D Section XXXX Section F Section G Section H Section I I would much rather just have the file deleted and my credit score retroly corrected for the previous months of negitivly reporting on my credit file the both have done, but if not i am more than willing to see this through to the end as it is pretty obvious that i will in the end if we go to court be awarded damages and a correction and deletion .as stated I just want this to go away and to get back to a normal life I have plenty of things i wish to be doing other than writing the cfpb complaining and filing dispute after dispute with the CRA '' S I didnt even bring up the fact that the fcra states that the cras are required to have an online way to dispute wich XXXX has illegally blocked me from using all while they are gaining financialy from me paying their highest costing subscription price wich can easlily become a discussion for the ftc to take up since insiquincially that is theft but thanks looking forward to a resalution to this XXXX XXXX XXXX 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