Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, I am writing to inform you of my intention to file a complaint with the Federal Trade Commission ( FTC ) due to your failure to comply with federal law regarding my dispute letter dated [ date ] and follow-up letter dated [ date ]. As evidenced by the attached copies of letters and mailing receipts, you have received and accepted my dispute letters via registered mail, yet you have not fulfilled your legal obligations within the required 30 days.

Your non-compliance with federal law is unacceptable, and I will hold you accountable. The Federal Trade Commission investigates failure to comply with federal regulations by credit reporting agencies, as stated in 15 USC 41, et seq.

I have carefully documented all communication regarding this matter and will file a complaint with the FTC should you continue to disregard federal law. Please note that you may be held liable for willful noncompliance, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX XXXX ).

I have advised you on two separate occasions, more than 75 days and 40 days ago, that the following information is erroneously included on my credit report : The inquiry was not authorized : XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry and request immediate removal from my credit report. 

The inquiry was not authorized : XXXX XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry and request immediate removal from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX  Account Number : XXXX Please remove it from my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX, CA XXXX The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX, CA XXXX The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission. 

Furthermore, please provide the name, address, and telephone number of each credit grantor or other subscriber. The description of the procedure used to determine the accuracy and completeness of the information is also requested and should be provided within 15 days of the completion of your re-investigation. 

If you continue to operate with complete disregard for the law, I will seek redress in civil action for recovery of damages, costs, and attorney fees. 

Sincerely, 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