Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Transunion has violated my rights as a consumer over and over. They have refused to address any of the issues Ive brought to their attention and has not removed the fraudulent account XXXX XXXX XXXXXXXX. 

As shown in the attached evidence, Transunion has violated my consumer rights at least XXXX times in the past 6 months. 

They claimed my hand written and finger printed letter was not sent by me. 

They claimed the debt is verified as accurate with absolutely no evidence demonstrating proper investigation. 

I have sent them two separate identity theft reports multiple times. 

I have sent them a demand for validation of debt. 

I have called them for countless hours and spoken to countless supervisors. 

They have refused time and time again to remove this fraudulent account. They attempt to pin the responsibility on the institution with which the fraudulent account was opened with, but TRANSUNION is the one who is publicly furnishing this information on MY consumer credit report. TRANSUNION is the one who is directly damaging my reputation, my XXXX  well-being, my XXXX well-being, and my financial well-being. 

Today, XX/XX/2023 I have sent ( via certified mail ) a notarized affidavit stating each and every fact of how they have violated my consumer rights. Attached to this affidavit are multiple exhibits demonstrating where and how my consumer rights are being violated and have been violated. 

As shown in the attached documents, Transunion not only reports this fraudulent account on my consumer credit report but they cant even report consistent information. They have changed the dates and amounts. They also report different opening dates and $ amounts than XXXX does. Furthermore, XXXX has already acknowledged this account to be fraudulent and has permanently deleted it. 

A charge off is considered as taxable income which can not be reported on a consumer credit report. Transunion reports this account as a chargeoff. 

With each and every demand Ive made of Transunion, they have not addressed a single point. They have not shown a single piece of evidence of their investigation. Proper investigation has not taken place. 

For an account which does not belong to me to take up this amount of my time, energy, and resources is absolutely ridiculous. Ive done more hours than I can count of research to try to educate myself so that I can get this removed. It would have been extremely easy if Transunion did not violate my consumer rights and have complete disregard for what they are reporting. 

Please see each and every attachment and thoroughly investigate it. 

Transunion can either rebut every single fact in my affidavit, or they can permanently delete the aforementioned account as well as send financial remedy in accordance with the attached Bill Of Particulars.

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