Consumer complaint received 2024-01-18 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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Georgia Fair Business Practices Act ( FBPA ). I request your intervention to investigate this matter and take appropriate action to rectify the errors on my credit report and provide compensation for the damages I have suffered.

**Reason for Dispute : ** This complaint arises from the inaccurate information on my credit report.

**Letters to Credit Agencies : ** I have sent multiple letters to TransUnion disputing the errors on my credit report and requesting corrections or deletions. Enclosed are copies of the letters submitted to dispute these inaccuracies.

**Response from TransUnion : ** Despite my efforts, I have consistently received responses from TransUnion stating that they have investigated the dispute and verified the accuracy of the information on my credit report. They have failed to provide any evidence or explanation to support their conclusion, and they have not adhered to the FCRA 's requirement to notify me of the investigation results within 30 days.

**Injury and Damages : ** As a result of TransUnion 's willful misconduct, wrongful acts, misleading misrepresentation, and unfair practices, I continue to face mental agony, distress, and economic loss. I believe I am entitled to monetary and compensatory damages.

**Violations of Laws : ** TransUnion 's actions have violated the FCRA and the FBPA, which mandate the provision of accurate and complete information to consumer reporting agencies and correction or deletion of erroneous or unverifiable information. Additionally, they have failed to comply with federal and state consumer protection laws and regulations, including but not limited to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), Deceptive Business Practices Act, Consumer Protection Act, and the Fair Debt Collection Practices Act ( FDCPA ).

**Obligatory Duty to Comply with Consumer Laws : ** TransUnion is obligated to comply with the provisions of federal and state laws, yet they have failed to do so, violating 15 U.S.C . 1692a and other relevant statutes.

**Documentary Evidence : ** Despite repeated requests, TransUnion has failed to provide documentary evidence, including a certified copy of the alleged loan agreement, all bookkeeping journal entries associated with the alleged loan agreement, and an affidavit in rebuttal. This is a clear violation of 15 U.S.C. 44.

**Enclosures : ** -Copies of the last four letters sent to TransUnion. 
-Credit report with highlighted inaccuracies. 
-Police report confirming identity theft. 
-Proof of victimization in the XXXX data breach. 
All of which was sent to Transunion with each round of letters that was sent via certified mail. 

-Transunion also have an account reported on my consumer profile twice. account # XXXXXXXXXXXXXXXX**** from XXXX XXXX -TRANSUNION HAS ALSO ALLOWED SOMEONE TO CALL IN AND ADD THE PHONE NUMBER XXXX TO MY PROFILE. I HAVE NEVER BEEN AFFILIATED WITH THIS NUMBER. EVER!!!!! 
In conclusion, I request your prompt investigation into this matter, correction of the inaccuracies on my credit report, compensation for damages, and appropriate action against TransUnion for their persistent violations of consumer protection laws. 

Thank you for your attention to this matter.

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