Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On XX/XX/XXXX I sent an investigation letter, certified, to all XXXX credit bureaus. Transunion, XXXX and XXXX due to a multitude of inaccuracies I found on my credit report/consumer report. ( the certified mail reciepts will be attached as evidence ) I highlighted boldly for the to INVESTIGATE CONSUMER REPORT Ther response was the information was accurate, they did not inform me of the methods used to verify these accounts and clearly they did not abide by the guidelines set for by 15 U.S.C 1681 because 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. 

Hence, XX/XX/XXXX i sent XXXX more certified letters, stating I have previously requested that you investigate, and you have failed to inform me of the methods utilized to verify and validate these reporting, correct the errors, but you are still reporting on my credit report. Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

I also filed this complaint with you, the CFPB, the supporting complaint ID 's are as follow : XXXX. XXXX XXXX. XXXX XXXX. XXXX As a result, between XX/XX/XXXX and XXXX XXXX all the accounts have now been updated but still not removed as prompted and i clearly stated Now is not the time to update, I demand that you immediately delete this inaccurate & incomplete information from consumer report as prompted by 611-15 U.S.C 1681 ( i ) ( 5 ) ( A ) ( i ). 

My rights to investigation has been disregarded and violated, my XXXX response was violated, everything about this is unfair, this clearly is a indication that the XXXX Bureaus believe they are above the law. It is unethical and unfair for them to feel that can do a reinvestigation XXXX months later! 

These are the inaccurate accounts : XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX FCU, XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX FIN, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. VIRGINIA XXXX, XXXX XXXX. CCI : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX. SYNCB/MTRSFM, XXXX XXXX. SYNCB/WALMAR, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX, no account info available ( reporting from XXXX ) XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX attaching the inital investigation letter, the certified mail reciepts, and the current responses on my credit

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