Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent a dispute to XXXX XXXX. & XXXX on XXXX/XXXX/XXXX. The letter was cerified with return receipt signature on it. The letter was sent to XXXX XXXX.  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX & XXXX XXXX. XXXX XXXX XXXX, GA XXXX. During the time the letter was mailed off. I pulled a addition credit report from TransUnion on XXXX. I have talked to representative from TransUnion & XXXX  respectfully on these dates, ( XXXX XXXX XXXX XXXX, XXXX and XXXX Through talking to each different agency. Most of the agency told me that I can send a dispute letter ( In which I did ) dispute online, and over the phone. I get a my receipt for the return signature that a TransUnion 's & XXXX 's members signed for on XXXXXXXX and I received it on XXXX. I get a letter in the mail from TransUnion and XXXX stating that they could not locate my credit file. That I need to send a copy of personal items such as my Social Security, ID, Driver License, Birth Certificate, and etc. I called and ask them how and why did they send this letter when I have pulled my credit file from them twice. I spoken to them more than five times and the fact they pulled my credit file more than five time. One of their top Executive XXXX. XXXX, pulled up my credit file and on XXXX XXXX, XXXX. Therefore, the person that sent me the letter that stated they could not located my file was just using an automatic generated letter just so they can respond in the 30 days period and not do their job. I went on line and found a lot of dispute and complaints about this illegal practices that TransUnion & XXXX does all Credit bureaus does illegal practice and try to cover their mistakes. TransUnion today, a member service told me he was going to put me on the phone with his supervisor and it was the exact same person that I was talking to. He told that I could n't tell his voice was the same. He did n't ask me to repeat anything. He gave me a fake name and basically told me there 's nothing I can do. They bully their consumers and do they want to because they think no one will be held accountable. The agency that I talked to today. XXXX XXXX from the Consumer fraud department gave me an attitude and basically told me that he ca n't dispute my inquires that I send a letter for. I looked on their policies and did n't find that to be true. I have more supervisor telling me I can send in a letter to dispute and he 's tell me I ca n't. Then there 's the employee that did n't handle my claim and just sent out a automatic generate letter. I have caught this company doing illegal practices on 5 different occasions. I have legal proof that this company employees are doing illegal law breaking things. I submitted a claim on the XXXX/XXXX/XXXX and get a email on XXXX/XXXX/XXXX, say that the investigation was complete. How can you do a throughout investigation when the creditors have n't had time to send the proper paperwork. I called the creditors and they stated over a recorded line that they did n't send the credit bureaus no such thing for the investigation and they could n't find proof. Therefore, TransUnion & XXXX is breaking the Fair Credit Reporting Act Laws. They are doing illegal business. Hurting the consumers so they can gain a profit from their customers the Credit companies and banks. They want me to send information so they find a credit file for me or to start one a new. They did n't handle my dispute nor start on my dispute. They are allowing unauthorized and illegal things to stay on my credit. This is a purposely defamation of my character ( XXXX ), which is also against the law. Someone must be held accountable.

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