Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Federal Trade Commission Consumer Response Center XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2021 To Whom It May Concern : This letter is a formal complaint against XXXX, XXXX and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continue reporting inaccurate and unverifiable derogatory information about me to potential creditors. 
1. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law.

2. there are two accounts, in particular which they just refuse to investigate, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me.

3. I've actually disputed with XXXX XXXX and XXXX XXXX  several times directly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I'm even in dispute with them via XXXX XXXX XXXX XXXX. And I've sent every piece of proof that both XXXX and TransUnion and XXXX could possibly need to correct this erroneous information on my credit report yet they refuse to do so. 
That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files because they continue to report erroneous accounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they're simply ignoring the proof that I've sent them. 
I'm well aware of the thousands of other complaints against these agencies on a daily basis. So my question is, where does it stop? And does your commission know about the feature they have in their " electronic verification process '' known as a " reply all '' function which allows the creditor to verify an account without ever even looking at it and/or investigating it? It's right on their website! And if you do know about this, how in the world can you justify it?! Please investigate the credit reporting practices of this company. I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that REQUIRE them to remove the disputed accounts in question from my credit reports. This causes serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. If there's anything I can send you to support my claim, please do not hesitate to let me know. Thank you in advance for your immediate attention to this very serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX