Consumer complaint received 2023-09-28 00:00:00
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.
State: IN

Complaint narrative:
XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against TransUnion for failure to validate fraudulent accounts Dear Sir/Madam, I am writing to file a formal complaint against TransUnion regarding their failure to follow lawful procedures in validating fraudulent accounts on my credit report. I have already submitted evidence to XXXX, which has resulted in the removal of two accounts involved in security fraud and identity theft. I have attached the necessary documentation as proof of these actions.

However, I am deeply concerned by TransUnion 's response to my dispute. Despite clear evidence that all debts associated with the disputed accounts have been discharged and that the entire contract was fraudulent from the start, TransUnion continues to claim that the item is verified. This is a direct violation of my rights as a consumer and raises serious questions about TransUnion 's commitment to upholding the law.

The violations committed by TransUnion in this matter are numerous and egregious, including the unauthorized sale of my personal information to unaffiliated companies and billing errors. I would like to bring your attention to the following specific violations : 1. Certificate of Indebtedness : TransUnion failed to credit my account for the certificate of indebtedness, as required by law. This omission is a clear violation of my rights as a consumer.

2. Electronic Funds Act : The company did not credit my account for the interest on my treasury coupon, as mandated by the Electronic Funds Act. This constitutes security fraud, as I never received a money purchase loan, and the necessary documentation, such as a 1099C form and purchase agreement, was never provided to me.

In order to address these violations, I kindly request that you investigate this matter thoroughly and take appropriate action against TransUnion. I believe that the UCC 3-604 provision, which allows for discharge by cancellation, as well as the HJR192 law and the Security Exchange Act, should be taken into consideration during your investigation.

I have also taken the liberty of filing a complaint with the Better Business Bureau, providing them with the same information and evidence. I trust that both the CFPB and the BBB will work together to resolve this matter swiftly and hold TransUnion accountable for their actions.

Please find attached all relevant documents, including proof of XXXX 's removal of the fraudulent accounts and my correspondence with TransUnion. I am available to provide any additional information or clarification that may be required to facilitate your investigation.

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of my rights as a consumer. 

Sincerely, 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