Consumer complaint received 2024-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX and Transunion LLC for their failure to delete two fraudulent accounts from my TransUnion credit report, despite XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I submitted a dispute to TransUnion regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to XXXX XXXX XXXX XXXX XXXX email and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, TransUnion responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as TransUnion are required to obtain written consent from the consumer. In this case, it appears that TransUnion failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in TransUnion damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, TransUnion is impeding my ability to secure credit and financial opportunities. I believe that TransUnions actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX its legal obligations. Furthermore, I request that XXXX XXXX XXXX XXXX XXXXXXXX be held accountable for its failure to delete the unverifiable account from my TransUnion credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!

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