Consumer complaint received 2023-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I hope this letter finds you well. I am writing to formally file a complaint regarding the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistence of these inaccuracies is causing me significant distress and financial hardship. 

The fraudulent items in question have been negatively impacting my credit score and financial standing for an extended period. I first identified these discrepancies and have since been diligently attempting to have them corrected through your organization. Unfortunately, my efforts have been in vain. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the required documentation and supporting evidence to demonstrate their inaccuracy. Despite following the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the items are indeed fraudulent. To my frustration, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would finally be addressed appropriately. However, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not emphasize enough the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their prompt removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their effect on my credit score.

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Kindly assist me in removing these following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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