Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Comprehensive Complaint Against TransUnion for XXXX Violations of FCRA and Demand for Immediate Rectification Dear Sir or Madam, I am writing to demand swift and decisive action against TransUnion for their willful and systematic contravention of the Fair Credit Reporting Act ( FCRA ). Their conduct amounts to what can only be described as an " Unfair Credit Reporting Act '' ( XXXX ), a perverse rendition of a system that has wreaked havoc on my financial standing and undermined the integrity of fair credit reporting. 

Enclosed herein is a list of inaccurately reported accounts, with their respective numbers, that TransUnion has failed to handle with the due diligence required by law : XXXX XXXX Credit Card, Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Credit Card, Account # XXXXXXXX XXXX Secured Credit Card, Account # XXXXXXXX XXXX Partially Secured, Account # XXXX XXXX XXXX XXXX Collection, Account # XXXX Despite my earnest attempt to rectify my credit, evidenced by a detailed dispute letter sent on XX/XX/year>, TransUnion responded with patronizing applause, yet curiously insinuated that the dispute was not authored by me. This baseless assumption conveniently excused them from providing the proofs I requested. Nevertheless, they proceeded to dispute the XXXX account, closed it, and then, in a bewildering turn of events, reopened it, dealing a -71 point blow to my credit score. 

The same cavalier approach was taken with my XXXX XXXX account. No dispute was expected, yet they took it upon themselves to verify it and annotate 'consumer disagrees, ' demonstrating blatant disregard for my rights under the FCRA XXXX This is not mere negligence ; it is a pattern of punitive actions that flout the protections intended to safeguard consumers. 
This treatment is a flagrant violation of the following FCRA provisions : 15 U.S.C. 1681i : TransUnion 's failure to conduct a proper reinvestigation within the statutory 30-day window. 
15 U.S.C. 1681a : Their reporting of information they should know to be inaccurate.

15 U.S.C. 1681s-2 : Negligence in failing to correct or delete unverified information upon a consumer 's dispute. 
TransUnion 's actionsor lack thereofhave not only resulted in the direct and material detriment to my creditworthiness but have also profoundly impeded my entrepreneurial aspirations and pursuit of financial stability. 

I hereby demand the immediate removal of all disputed accounts due to TransUnion 's breach of the FCRA. Failure to comply should result in severe penalties, including but not limited to, punitive damages for the willful neglect that has characterized their responses to my disputes. 

The time for accountability is now. I urge the CFPB to act with the authority vested in them and deliver justice for the years of unwarranted hardship that TransUnion 's XXXX has imposed on me. 

I await your prompt and corrective response. 

Sincerely, XXXX Enclosures : Evidence of Discrepancies, Documentation of Financial Harm, Certified Mail Receipt