Consumer complaint received 2024-03-10 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: GA

Complaint narrative:
Subject : Urgent Complaint : TransUnion 's Complicity in Covering Up XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to raise a matter of utmost concern regarding TransUnion 's involvement in the concealment of XXXX XXXX XXXX ' deceptive practices. 

Despite repeated notifications about XXXX XXXX XXXX ' engagement in deceptive practices, TransUnion has opted to ignore these concerns, turning a XXXXXXXX XXXX to their unethical behavior. This deliberate inaction by TransUnion suggests a concerted effort to shield XXXX XXXX XXXX from accountability and perpetuate a cover-up of their fraudulent activities. 

I recently contacted TransUnion by phone to report XXXX XXXX XXXX ' deceptive practices, providing them with compelling evidence of ongoing misconduct. ( see all the screenshots below ) Despite assurances that a leader supervisor would reach out to me, I have yet to receive any follow-up communication. The representative I spoke with seemed visibly shocked by the evidence presented, underscoring the gravity of the situation unfolding right under TransUnion 's nose. 

XXXX XXXX XXXX persistently employs manipulative tactics, such as adjusting collection balances by insignificant amounts and illicitly altering delinquency dates. These actions have resulted in significant decreases in my credit score, which went unnoticed for over a year, severely impacting the accuracy and reliability of my credit report. 

It's crucial to emphasize that XXXX XXXX XXXX does not possess the authority to unilaterally change collection balances. Collection agencies are legally bound to adhere to the terms set by the original creditor and can not arbitrarily add fees to debt. Despite their seemingly minor nature, these modifications have a profound impact on my creditworthiness. The repeated manipulation of collection balances and delinquency dates creates the false impression that new collection accounts are being added to my credit report, further exacerbating the situation. 

Given the seriousness of these deceptive practices and TransUnion 's apparent complicity, I urge the Consumer Financial Protection Bureau to initiate a thorough investigation into both XXXX XXXX XXXX and TransUnion 's involvement in covering up these fraudulent activities. Consumers deserve transparency, accountability, and protection from such unethical behavior. 

I believe that a substantial civil penalty, such as XXXX XXXX dollars, is warranted to address these unfair and deceptive practices. The Commission has the authority to pursue penalties under Section 5 ( m ) ( 1 ) ( B ) of the FTC Act, given the evidence of the company knowingly engaging in conduct that is unfair or deceptive. 

Decisive action must be taken to protect consumers from further harm and to uphold the integrity of the credit reporting system. I appreciate your attention to this urgent matter and your dedication to safeguarding consumer interests. 

I implore the Consumer Financial Protection Bureau to take prompt and decisive action to address these issues and safeguard consumer interests. The integrity of the credit reporting system is at stake, and it is imperative to hold these entities accountable for their actions.

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