Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
I am reaching out to request a detailed explanation of the process utilized by your organization to ensure the absolute precision of the data reported for account XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. It is quite disconcerting to discover that despite a thorough investigation, inaccuracies persist in the information being disseminated. It is concerning to contemplate the possibility that the protocols mandated by the Fair Credit Reporting Act may not have been diligently adhered to. The repercussions of erroneous data residing on an individual 's credit report are not only distressing but also have the potential to inflict significant harm. The dissemination of false damaging data on a credit report is simply intolerable. Kindly furnish me with the identity of the individual from INQUIRY with whom communication was initiated. Warm regards, I am writing to you to formally demand a copy of the procedure your company adhered to in order to guarantee the accuracy of the information reported for account XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. It is baffling that despite conducting a thorough investigation to validate the correctness of this account, you persist in reporting erroneous information. It is alarming to consider that you have flouted the Fair Credit Reporting Act and consequently jeopardized other consumers. The presence of such inaccuracies on a person 's credit report is distressing and highly detrimental ; however, to have incorrect damaging information reflected on a person 's credit report is wholly unacceptable. 
It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 
Please forward to me the name of the person you spoke with at INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 
INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Dear XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 
It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 
Please forward to me the name of the person you spoke with at INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 
INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me an updated credit report along with the investigation procedures. 
FYI, I DO NOT want a generalized response stating what you typically do in an investigation. - XX/XX/year>, Dear XXXX I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 
It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 
Please forward to me the name of the person you spoke with at INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, INQUIRY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.

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