Consumer complaint received 2024-05-29 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XX/XX/XXXX TransUnion Attn : Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX Subject : Immediate Action Required : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX , demand that TransUnion promptly remove the following inquiries from my credit report, as they are unauthorized and beyond my knowledge : Inquiries to be Removed : - XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXf XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX  ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX ( XX/XX/XXXX ) - XXXX ( XX/XX/XXXX ) - XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ) - XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX  ( XX/XX/XXXX ) - XXXX  XXXX ( XX/XX/XXXX ) Additionally, ensure the following accounts are accurately reported and remain open : Accounts to Correct/Keep Open : - XXXX # XXXX ( XX/XX/XXXX ) {$2300.00} - XXXX/XXXX  # XXXX ( XX/XX/XXXX ) - XXXX  - XXXX Furthermore, the following account must be removed immediately as it is not mine : Account to Remove : - XXXX XXXX # XXXX ( XX/XX/XXXX ) {$32000.00} Never late : XXXX # XXXX On XX/XX/XXXX, my credit score unjustly plummeted from XXXX to XXXX. I initiated multiple disputes and submitted my revised FTC/Identity Theft complaint. Despite my 30 years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from TransUnion due to my status as a middle-aged XXXX  woman. This situation constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The unauthorized inquiries, along with the creditors who initiated them, must be expunged from my profile. TransUnion 's prior investigation failed to address these issues adequately and violated my rights under the FCRA by dismissing my concerns and siding with these creditors. It is unacceptable for TransUnion to suggest that I " should have known '' about these accounts. Upon discovering them, I promptly disputed them. 

TransUnion 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts as listed. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.

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