Consumer complaint received 2024-01-11 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 writing to bring to your attention an ongoing and unresolved dispute with TransUnion regarding certain items on my credit report. Despite multiple attempts to seek validation, TransUnion has failed to provide any evidence or documentation to support their conclusions, and I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

I initially submitted a THIRD dispute request to TransUnion on XX/XX/XXXX thru CFPB prior complaint XXXX, challenging the accuracy of certain entries on my credit report. In response, TransUnion claimed to have conducted an investigation and verified the disputed items. 

However, despite my repeated requests, I received the results back today in a letter and unfortunately they have not provided any proof of this investigation, including the original contracts with wet signatures and the documentation received from the companies in question that led to the update or verification of the entries. 

This lack of transparency and failure to provide the required documentation is not only frustrating but also a clear violation of my rights as a consumer under the FCRA. I have diligently cooperated throughout this process, yet TransUnion has consistently disregarded my requests for validation. 

I want to emphasize that this matter has been ongoing for several months, and the lack of cooperation from TransUnion is both unacceptable and inexcusable. As a consumer, I have the right to receive clear and accurate information about the items listed on my credit report. The absence of proof raises serious questions about the validity of the reported information and further deepens my concerns regarding TransUnion 's compliance with federal regulations. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and investigate the conduct of TransUnion. 

I am NOT looking for or asking for a reinvestigation of these items- I am exacerbated by this ordeal and I am demanding that these items be REMOVED from my report immediately since it has been months in this process and TU has failed to provide what I have requested, therefore they are in violation. 

It is my belief that, given the lack of documentation, these items should be promptly deleted from my credit report as TransUnion has failed to fulfill its obligations under the FCRA. 

I appreciate your prompt attention to this urgent matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify this situation. I look forward to a swift resolution and the removal of inaccurate and unverified information from my credit report. 

Thank you for your time and assistance in addressing this pressing issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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