Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion regarding their failure to respond to my multiple attempts to have inaccurate information removed from my credit report. Despite providing evidence and reaching out to TransUnion regarding the erroneous reporting, they have not taken any action to rectify the situation or mark my report as " CONSUMER DISPUTES THIS ACCOUNT INFORMATION. '' I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The account in question is " XXXX XXXX XXXX XXXX  XXXX, '' which is showing a XXXXday late payment in XX/XX/XXXX. I want to assert that this information is entirely inaccurate, as I was never late in making payments to XXXX XXXX XXXX XXXX. To further support my claim, I have directly contacted XXXX XXXX XXXX XXXX  and they have acknowledged that the reported information is incorrect. 

On XX/XX/XXXX, I sent a certified mail to TransUnion, requesting proof of how they validated the account information and asked them to add a personal comment to my credit report. According to the Certified Mail Tracking number ( XXXX ), TransUnion received the request on XX/XX/XXXX. In my letter, I specifically requested a response within XXXX  days. However, despite the passage of time, I have not seen any updates to my credit report, nor have I received a response from TransUnion. 

Furthermore, when I contacted TransUnion to inquire about the status of my dispute, I was informed that they would not file the dispute because it was not submitted online. This disregard for my request, based on the method of submission, is deeply concerning and further highlights TransUnion 's failure to comply with my rights as a consumer. 

In support of my case, I have attached my credit reports from XXXX and XXXX, which clearly indicate that no late payments are being reported by these credit bureaus. The disparity among the reports accentuates the need for clarification and evidence regarding the verification process undertaken by TransUnion. 

To verify my identity, I have also included copies of my ID, Social Security Card, and a bank statement. I have taken all necessary steps to ensure the accuracy of my claim and demonstrate my commitment to resolving this matter. 

I kindly request the Consumer Financial Protection Bureau to investigate this complaint against TransUnion and take appropriate action to ensure they fulfill their obligations under the FCRA. It is my hope that this complaint will not only rectify the inaccurate information on my credit report but also hold TransUnion accountable for their failure to respond in a timely manner and comply with the regulatory requirements. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this complaint and help in resolving this issue promptly. I appreciate your efforts in safeguarding consumer rights and ensuring fair practices in the credit reporting industry. 

Sincerely, XXXX Enclosures : - XXXX credit report - XXXX credit report - Copy of ID - Copy of Social Security Card XXXX Bank statement

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