Consumer complaint received 2024-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
( This was sent XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX To : Special Services TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX I, XXXX XXXX, hereby authorize Trans Union reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf.

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX ( originally XXXX XXXX  XXXX XXXX 2. XXXX XXXX XXXX  - XXXX ( auto loan opened fraudulently ) 3. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account # XXXX ( fraudulently opened ) Inquiries for removal : XXXX. XX/XX/XXXX Company : XXXX Address : XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, NY XXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) RE : Complaint Against TransUnion I, XXXX XXXX, am filing a formal complaint against TransUnion for lack of transparency and multiple consumer rights violations, including violations of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I received an email ( attached ) indicating TransUnion 's failure to investigate and delete items fraudulently placed on my credit report by creditors. Despite my knowledge of credit law and use of legal terminology, TransUnion dismissed my complaint, erroneously associating it with a third party. To clarify, I personally wrote and mailed all documents to TransUnion on XX/XX/XXXX, including copies of my ID, mail, and social security card, via certified mail. There has been no third-party involvement in my correspondence or communication with TransUnion. 

I am seeking the removal of the following accounts from my credit profile : 1. Collections- XXXX XXXX ( originally XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  - XXXX ( auto loan opened fraudulently ) XXXX. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account # XXXX ( fraudulently opened ) XXXX XXXX has provided a letter instructing TransUnion to remove these accounts, yet they remain on my credit report. 

TransUnion has a history of failing to investigate disputes and protect consumer rights, as evidenced by the following cases : 1. Reyes v. Trans Union , LLC Filed : XX/XX/XXXX XXXX - A Florida consumer alleges that TransUnion unlawfully refused to investigate multiple credit inquiries he disputed. 

2. Joseph Denan and Adrienne Padgett v. Trans Union LLC - Plaintiffs allege violations of the Fair Credit Reporting Act ( FCRA ). 

3. Ramirez v. Trans Union - A class action lawsuit where TransUnion was sued for violating the FCRA. 

Please ensure compliance with protecting my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX is VALID From : TransUnion Consumer Relations To : XXXX # SECURE # A Recent Request Made to TransUnion Sun, XXXX XX/XX/XXXX XXXX XXXX We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your TransUnion credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repairletter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern  and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response.

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