Consumer complaint received 2025-04-02 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: WA

Complaint narrative:
Updated Information Regarding XXXX XXXX  Case XX/XX/year> ( Note XXXX XXXX  is refusing to respond on the CFPB website ) I am formally disputing a Business Line of Credit Security Agreement ( BLCSA ) issued by XXXX XXXX to my business, as the loan was processed improperly and without adequate verification of my identity. Despite my repeated requests for clarification and supporting documentation, XXXX XXXX has failed to provide the necessary proof that my identity was verified, nor have they adequately addressed the core issues raised in my initial dispute. I sent them a letter response via email in PDF format on XX/XX/year>XXXX  ( see attached ). 

Additionally, I would like to bring to your attention that the case filed with the Consumer Financial Protection Bureau ( CFPB ) was recently closed. Based on the communication I received, it appears that XXXX XXXX is attempting to move the conversation outside of regulated and transparent channels, which raises concerns about their willingness to provide clear and honest responses moving forward. This lack of transparency further undermines my trust in their process and reinforces my belief that they are evading accountability and failing to address the key issues of my dispute. They sent me an email on Friday, XX/XX/year>, with their response to this case but still proceeded to blame me. 

On XX/XX/year>, they sent me another email in response to my letter ( email ), yet it failed to address any of the points I raised in my XX/XX/XXXX letter ( see attached ). 

Key Points of Dispute : Failure to Properly Verify Identity : XXXX XXXX claims they verified my identity, yet they also state that the information used to process the loan was obtained through a third-party broker. This contradicts their claim of identity verification. 
Under the USA PATRIOT Act and Know Your Customer ( KYC ) regulations, it is the lender 's responsibility to verify the borrower 's identity directly, not through third-party intermediaries.

XXXX XXXX has failed to provide clear proof of direct communication and verification from their side. 
Lack of Response to Key Requests : I requested specific documentation from XXXX XXXX  to prove the identity verification process, including call recordings, logs, emails, and proof of multi-factor authentication ( MFA ). These requests have been ignored. 

The lender has not addressed my request to move the loan back to the business so that my business partner can assume responsibility for the debt. This would resolve the issue without requiring me to take personal liability. 
Continued Evasion and Lack of Accountability : Despite my clear communication, XXXX XXXX has consistently directed me to contact the third-party broker instead of providing the requested documentation or addressing my concerns. 

They have not disclosed the name of the third-party broker in their email, requiring me to follow up with them separately. 

XXXX XXXX  lack of transparency and accountability raises serious concerns about their handling of this loan and their compliance with legal requirements. 

Impact of the Police Report Requirement : I have expressed that filing a police report for fraud would only hinder the process by delaying my business partners ability to obtain his ITIN number and make the necessary payments. 

XXXX XXXX has not addressed how this requirement would negatively affect the repayment process, further complicating the situation. 

Summary of the Current Situation : XXXX XXXX has failed to adequately address my claims, instead shifting responsibility to a third-party broker while refusing to provide crucial documentation. 
The loan remains on my personal credit, despite my reasonable requests for its proper handling and resolution. 

Despite offering a viable solution for repayment through my business partner, XXXX XXXX has ignored these requests and has not provided a valid response. 
I have also attached the new letter I sent them regarding this case, hoping they will respond with factual documentation.

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