Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 in receipt of a letter from TransUnion dated XX/XX/2022, XXXX XXXX : XXXX In this letter they are mocking me for trying to fix the errors on my report. In their letter their wordage is this, " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. '' I've received this letter from TransUnion before while previous disputes were open. I currently have a BIG dispute going on with TransUnion. TransUnion has sent his XXXX letter to me on XXXX different occaisions now... THIS YEAR 2022. This last letter ( of the same wordage ) is dated XX/XX/2022. I have already, in many many previous certified letter return receipt mailings... sent to TransUnion a copy of my drivers license, a copy of my social security card and utility bill. TransUnion has NO excuse to exercise such behavior with me and I find it pitiful that they think that its the appropriate way to deal with their customers. I'm on the verge of hiring an attorney to address the problems I am facing with TransUnion. 

Also, as an additional note, I am unable to get a copy of my TransUnion report from TransUnion by logging into their website and downloading a copy of my report. My report continues to be unavailable to me from TransUnion. In fact I went to another site today XX/XX/2022, XXXX to get a copy of all XXXX of my bureaus... of which XXXX was able to give me a report, XXXX was able to give me a report but TransUnion did not. This is inexcusable. Also, not being able to get a FREE copy of the XXXX XXXX from TransUnion is also inexcusable. All other bureaus provide that for either NO COST or close to no cost... XXXX. 

What I am looking to fix here are errors, discrepancies and remove false information on my TransUnion report. 

For XXXX. TransUnion has continued to use XXXX... XXXX XXXX XXXX ... when my name is NOT that. My correct and legal name is XXXX XXXX. There are many other things that I have asked TransUnion to fix.. but the most noticeable problem is their non-cooperation in fixing my name within the allotted XXXX days timeframe. Its been over XXXX  days now since I've requested them to fix my name on my report the XXXX time. Actually closer to XXXX or XXXX days. 

Please investigate this matter CFPB. I appreciate your help in this matter. 

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 explanation