Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Formal Complaint Against TransUnion for Non-Compliance and Violation of Consumer Rights I am writing to formally lodge a complaint against TransUnion for their continuous violation of my rights as a consumer. Despite multiple attempts to resolve these issues directly with TransUnion, they have failed to adhere to the required compliance standards, particularly the Metro 2 format, and have not followed consumer protection laws.

**Details of the Complaint : ** 1. **Non-Compliance with Dispute Resolution** : - I have submitted multiple disputes regarding fraudulent accounts, specifically one related to XXXX XXXX XXXX XXXX Despite providing comprehensive documentation, including an FTC report and a police report, TransUnion has failed to block or remove this incorrect information from my credit report. 

2. **False Bankruptcy Reporting** : - I was wrongfully reported to have a bankruptcy on my credit report. Bankruptcy Court for the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CA XXXX I obtained official documents from the alleged bankruptcy court stating that I do not have a bankruptcy. Additionally, my XXXX report, which TransUnion claims to use for public records, confirms that I do not have a bankruptcy. Despite this, TransUnion continues to inaccurately report this information on my credit report. 

3. **Improper Handling of Inquiries** : - While some inquiries were deleted, TransUnion still reports incorrect inquiries from XXXX XXXX XXXX XX/XX/2024 and XX/XX/2024. Attached are documents from TransUnion substantiating this claim. 

4. **Impact of XXXX XXXX XXXX : - I was a victim of the XXXX data breach, which has evidently resulted in fraudulent use of my personal information. TransUnion has failed to take adequate measures to rectify the fraudulent reporting on my credit report following this breach.

The ongoing failure of TransUnion to correct these inaccuracies is not only frustrating but has also severely impacted my financial standing. Their actions ( or inactions ) are in clear violation of consumer protection laws designed to safeguard individuals from such negligence and malpractices. 

I am attaching all relevant documents, including FTC and police reports, bankruptcy court documents, XXXX reports, and TransUnion correspondence for your review. 

**Request for Action : ** I request the Consumer Financial Protection Bureau XXXX : - Investigate TransUnion 's non-compliance and negligent handling of my disputes. 
- Hold TransUnion accountable for their continuous violations and mandate immediate correction of my credit report. 
- Ensure TransUnion adheres to the Metro 2 format and consumer protection laws in all future reporting and dispute resolutions.

Thank you for your attention to this matter. I look forward to your prompt and decisive action to rectify these issues. 

Sincerely, **Attachments : ** - FTC and Police Reports- Bankruptcy Court Documents- TransUnion Correspondence - Court Documents for XXXX XXXX