Consumer complaint received 2024-07-12 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: NC

Complaint narrative:
I am writing to express my concerns regarding the practices and adherence to regulations and laws by the credit reporting agencies. Upon reviewing my credit reports, I have identified several alarming issues that require your immediate attention and clarification. 

First and foremost, I was under the impression that transactions and remarks should not be reported on credit reports. However, I have noticed that my reports include numerous transactions and remarks. This is contrary to my understanding of the reporting guidelines and raises concerns about the accuracy and appropriateness of the information being reported. 

Secondly, I believe that credit reporting agencies have a responsibility to be fair, impartial, and to respect consumers ' rights to privacy. Despite this, I have found that my personal information, such as my employer and phone number, is accessible to other companies and used for promotional inquiries. This widespread availability of my personal information is deeply concerning and appears to violate my privacy rights. 

Additionally, I was under the impression that my credit report should be managed in accordance with my written instructions. However, when I requested the removal of certain personal information and transactions, I was advised that it could not be done. This response is perplexing and seems to contradict the principle that consumers should have control over their own information. 

Furthermore, I have never received a comprehensive report detailing the procedures and findings of investigations following my disputes. It is my understanding that the outcomes of such investigations should be disclosed to consumers, ensuring transparency and accountability. The lack of detailed information about how disputes are handled and resolved undermines my confidence in the accuracy and fairness of the process. 

I find it hard to believe that an investigation can be deemed complete and the report updated without providing evidence and proof of the actions taken. Such a practice does not seem sufficient to substantiate the accuracy of the information being reported, especially in light of the allegations I have brought forth. 

In light of these concerns, I kindly request a thorough review of my credit reports and an explanation of the following : Why are transactions and remarks being reported on my credit reports? 
How is my personal information being protected and why is it accessible for promotional inquiries? 
Why are my requests for the removal of certain information being denied? 
Why am I not receiving detailed reports on the investigations following my disputes? 
I trust that you will address these concerns promptly and ensure that your practices are in full compliance with the relevant regulations and laws. I look forward to your prompt response and resolution of these issues.

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 explanation