Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
Please be advised that I'm disputing your response to my original complaint listed below. Your response is simply put not good enough when we are discussing My personal credit report. A report that is used against me for employment, my financial affairs in regards to obtaining credit and building a future for myself and child. Again your response is not good enough because I submitted the same request to XXXX  on the same date of XX/XX/XXXX, XXXX who was able to due their due diligence and did remove the accounts in question. As you are both credit reporting agencies reporting like minded information and governed under the same accountability. Transunion has the same capabilities and should remove the account immediately. Transunion did not properly investigate my complaint however they simply replied with a blanket response. As Transunion is the company reporting the information, it is Transunions responsibility. Below is the response from XXXX. 

Thank you for submitting your complaint on XX/XX/19 through the CFPB Complaint Portal. In your complaint, you indicated there are inaccurate or incomplete items appearing on your XXXX credit report. We initiated an investigation into the items and the results are below : Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : US Dept. of EducationXXXX, XXXX XXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : US Dept. of  Education/XXXX, XXXX XXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX. Account # XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. The results of the investigation have been mailed to you. If you have any additional questions or concerns in regards to the updates made to your XXXX Credit Report, please refer to the mailed revised copy or visit us at https : XXXX or contact a Customer Service Representative at XXXX. 


I'm asking you to remove the student loan accounts listed below that remain on my credit report. The request is in support with the university being a PAY FOR PROFIT school. The company committed fraud and deceptive practices, including allegedly misleading students about its job placement rate and actual cost of earning a degree, among other practices. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. Name of Accounts : XXXX, XXXX & US DEPT OF EDXXXX On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed.Thanking you in advance for your anticipated quick co-operation on this matter

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