Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
First thing I now understand the importance of keeping copies for your personal records I believe If I did not keep those copies I would of not been able to make this complaint now.

I also now understand Why XXXX and XXXX are being investigated and are getting sued By the CFPB, Because of actions like the one Transunion tried pulling on me!

Its sad for the people that do not know or understand their consumer Rights!

I trust the CFPB will help me resolve this issue as I will also be filing a complaint with the Better Business Bureau and the Federal Trade commission. Transunion Needs to be held accountable for their blatant and malicious intents and sham investigation, probably doing so in the hopes that the consumer gives up or doesn't know any better.

I have all the 15USC codes I feel Transunion has Blatantly and carelessly violated and will present them in my court when i end up Filing my own lawsuit as well. 

On XX/XX/XXXX I was denied an Auto loan Due to incorrect Items, And collectors with accounts I have no knowledge or have a contract with, and inquiry 's I did not recognize.

I pulled my credit report and realized Transunion is the only one reporting these Item
s XXXX and XXXX does not show these Items reporting on Transunion.

I have attached Everything sent to Transunion ( I have the receipt of me paying for the weighted stamp and sending it certified mail ) I will bring that to court. Before I continue How is Transunion allowed to add Items on some ones report if they don't know for sure it belongs to that person? isn't that a violation?

Now after making my list of Items that are inaccurate or I have no Knowledge of I mailed it to Transunion Thinking They would conduct a proper investigation, I even begged at the beginning of the letter for them to do so.

today received a post card sized sham rejection claiming I did not have Acceptable proof of address and that one my documents was too old CFPB I have attached everything I sent to them including what they sent to me and my letter.

so far I know they have Violated : 15 USC 1681 i ( 7 ) 15 USC 1681 i ( 5 ) ( d ) 12 CFR 1026.13 15 USC 1666 b 15 USC 1681 e ( b ) 15 USC 1692 c 15 USC 1692 g 15 USC 1681b ( a ) ( 2 ) 15 USC 1635 Now given the recent findings By the Consumer financial Protection Bureau CFPB that have brought to light significant concerns regarding ( XXXXXXXX XXXX ) sham methods and failure to conduct proper investigations. ( I am really hoping Transunion simply made a simple mistake some where along the way and it can be remedied Amicably ) however in a lawsuit Filed against XXXX by the CFPB the C

FPB alleges that the company Engaged in Sham investigations Violating consumers protection laws By failing to meet its obligations Under FCRA. Is this what Transunion Is doing to me here? As per 15 USC 1681i ( a ) ( 1 ) ( A ) Transunion is required to conduct a thorough and reasonable Investigation of all disputed Items within 30 Days. Instead Transunion Tried to play a blatant and cruel move on me! Furthermore, 15 USC 1681i ( a ) ( 5 ) any and all information found to be inaccurate, incomplete or unverifiable must be promptly Deleted. Failure to adhere to these requirements is a clear and blatant disregard and violation of Federal Law. I hereby Demand that Transunion conducts a thorough Reinvestigation of the Items stated in My original Letter Which is attached to my complaint! ( I will be taking screen shots of this complaint for my records ) I demand that Transunion Provide me with any and all Documents used verify the accuracy of the disputed Items in my original Letter ( which is attached ) I demand that Transunion Deletes any information that can not be verified or is inaccurate as Mandated by federal Law!

Given the CFPB Findings against ( XXXX ), I expect Transunion to handle this Complaint and my disputed Items with the utmost seriousness and compliance with legal Standards. All documents sent in the original letter are in the attachment to facilitate your investigation.

If Transunion Fails to comply with its obligations under the FCRA I will not hesitate to escalate this matter Under a court of law. I will pursue any legal action needed to protect my rights. I expect written confirmation of all change
s!

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