Consumer complaint received 2024-01-09
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)

I am writing to further escalate my unresolved dispute with TransUnion, as it has been two years since I first reported the issue and it remains unresolved, causing financial damage and hardship. I had high hopes of purchasing a home, but due to this ongoing matter, my plans have been delayed and my financial stability has been severely affected. 

I initially filed a complaint with the Department of Consumer Protection DFPI against TransUnion, but the issue has not been resolved and I feel my concerns have been neglected. Every time I have followed up on the dispute, either through phone calls or mail, I have been informed that my file could not be located and they have no record of my dispute history. This has left me frustrated and concerned about the lack of attention given to my case. 

I believe that my consumer rights have been violated and I request your assistance in resolving this matter promptly. Enclosed with this letter, you will find a copy of the previous letter I submitted to TransUnion for your reference. I kindly request that you review the details of my case and take appropriate action to ensure a fair and satisfactory resolution. 

I respectfully ask for the following actions to be taken : 1. Conduct a thorough investigation into my dispute with TransUnion and ensure that my file is located and reviewed in a timely manner. 
2. Hold TransUnion accountable for their negligence in addressing my concerns and ensuring that appropriate measures are taken to rectify any inaccuracies. 
3. Provide clear and transparent communication regarding the progress of my case, ensuring that I am informed of any updates or findings. 
4. Offer me necessary assistance, guidance, and resources to resolve this matter and help mitigate any financial damage caused by this prolonged dispute. 

I sincerely hope that my complaint will receive your immediate attention and that you will take the necessary steps to bring about a fair and swift resolution. I look forward to your prompt response and your assistance in achieving a satisfactory outcome. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) : The FCRA governs the use and reporting of consumer credit information. Inaccurate or misleading information can be grounds for violations of the FCRA. I urge you to review Section 1681s-2 ( a ) of the FCRA, which sets forth the obligations of credit reporting agencies to conduct investigations and remove inaccurate information upon notification by a consumer. 

2. Damages for Defamation and Negligence : The inclusion of false and damaging information on my credit reports can be considered defamation and negligence on the part of the credit reporting agencies. I want to emphasize that I am prepared to take legal action to seek compensation for any harm caused by this inaccurately reported collection account. 

3. Potential Regulatory Actions : Credit reporting agencies are subject to oversight by regulatory bodies such as the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). The failure to comply with their guidelines and regulations may result in investigations, fines, and other enforcement actions.