Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX. On XX/XX/XXXX i sent off an investigation request letter to all 3 credit bureaus. My certified numbers are including in attachments below. I never received any notification or mail stating that my disputes/investigation was in progress. According to 15 USC 1681i ( 2 ) ( A ) states Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

The bureaus stated disputed items were updated and/or verified however upon my checking inaccurate information still reports on my credit file and according to the FRCA 15 USC 1681 everything has to be 100 % accurate or must be deleted. I have attached my tri-merge credit report below with highlighted inaccuracies. 

The bureaus have violated my rights and laws several times. They have not done a proper investigation as according to the FRCA the term Investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. 

In fact XXXX deleted accounts of my credit file that i never disputed and was in good standing and i have suffered substantial damage because of their mistake and i demand XXXX relief because of the suffering Ive went through. 
The accounts that were mistakenly deleted are XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/1922 & XX/XX/1922, XXXX XXXX Transunion finished a proper investigation and determined the the account XXXX XXXX  could not be verified and/or did not belong to me. XXXX XXXX have violated my rights by not communicating with each bureaus about my investigation and the results of my investigation and because of this violation XXXX continues to furnish XXXX XXXX on my credit file when it should have been deleted according to 15 USC 1681i states that the bureaus must promptly notify the other bureaus of disputed information and investigation status/results. 

After doing an investigation XXXX determined that XXXX XXXX XXXX XXXX XXXXXXXX could not be verified and didnt belong to me and promptly deleted the accounts from my credit report. However Transunion XXXX XXXX continue to furnish these accounts on my credit file which is clearly a violation of my rights as all bureaus should have deleted the accounts. I have disputed these accounts with affirm several times I have asked affirm to provide a valid contract which is, Validation of debtthat is actual accounting, Verification of their claim against me ; that is a signed invoice, and a copy of the contract binding both parties in a letter by certified mail so that their is a witness to it having been delivered. 
However they have only provided a loan verification & truth & lending disclosure. 
I have let affirm know that Ive never had any business with them. They have stolen my identity and sold it to several third parties while failing to provide valid proof as stated above. 
I have attached documents showing the my information was sold my affirm to several third parties When speaking with the credit bureaus they stated accounts are verified through third parties sources such as XXXX XXXX how is this possible when i have locked my credit file and placed a security freeze on all third party sources such as XXXX XXXX XXXX XXXX XXXX XXXXXXXX.??? 
According to XXXX XXXX XXXX. States- NO financial institution is supposed to share my information to third party people. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

I have given the accounts below my written permission to furnish anything on my credit report and they have also violated my right of privacy.

I now demand these accounts be deleted immediately. 

XXXX XXXX XXXX XXXX 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