Consumer complaint received 2022-11-07
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : INTENT TO FILE LAWSUIT/ Disputes Department XX/XX/XXXX I XXXX XXXX, consumer, and natural person, am aware of all rights that I have. My rights are protected by the XXXX under the FCRA ( Fair Credit Reporting Act ). The list of acconts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. YOU HAVE NOT RESPONDED TO MY DISPUTES!!!!! It has been XXXX XXXX and there has been no respond via mail or email. I am planning on pursuing full legal action under XXXX XXXX XXXX XXXX XXXXXXXX ( b ) also under the grounds of " DEFAMATION OF CHARACTER '' if accounts are not updated and deleted within XXXX business XXXX 

This has ruined my life and caused me XXXX XXXX XXXX XXXX. I has also hired a consumer law protection lawyer to assist me in this matter. I will be suing under the grounds of XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( b ) reason being, Your lack of correct reporting under the FCRA. 

XXXXI am Unable To Secure A Mortgage, Auto, Or Personal Loan Due To False XXXX XXXX XXXX 

-I Have Suffered XXXX, Or Can not Secure Stable Housing Because Of False Information In Your Credit Report. 

-I Have Experienced Increases Or Inflated Rates On Insurance Premiums And Other Lines Of Credit Because Of Erroneous Information In Your Report. 

-I am Unable To Open New Lines Of Credit As A Result Of A False Report. 



I will also be filing a complaint with the XXXX XXXX XXXX XXXX XXXX ) and the CFPB ( Consumer Financial Protection Bureau ) as of Today. I have all the documented proof that you are in violations, including all certified mailing receipts. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX. I may presume that there is no proof of alleged debt, nor therefore and such debt. in fact exists.. Also under the Fair Credit Reporting Act, these disputed and fraudulent items may not appear on my credit report if they can not be supported by accurate evidence. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX States. It also states a consumer reporting agency can not furnish an account without written instructions. 

If each account listed below is not updated and or deleted. I will pursue damages of XXXXXXXX XXXX  per account per violation.Keep in mind, I have opted out of all arbitration and terms that your bureau has set in place for consumers as it pertains to taking legal action. 



XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, VENESSAJANIS XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX On ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were ( INNACCURATE, OUTDATED OR OBSOLETE and FRAUDULENT ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( XXXX  ) ) request, I will also be sending a copy of this letter to the XXXX XXXX XXXX  notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 





Sincerely, XXXX XXXX XXXX XXXX Assistant XXXX of Enforcment ( CFPB ) cc. XXXX XXXX XXXX cc. Attorney XXXX of my state cc. Federal Trade Commission XXXX. My XXXX XXXX XXXX XXXX courts cc. CFPB ( Consumer Financial Protection Bureau ) cc. Better Business Bureau XXXX. Department Of Justice

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