Consumer complaint received 2025-01-25 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: FL

Complaint narrative:
I am done with the continued violations of my rights as a consumer by TransUnion. Your ongoing disregard for my rights has reached an unacceptable point, and I will no longer tolerate it. I am fully aware of XXXX 's current issues under CFPB investigation, and XXXX 's continued exposure of my personal information through the data breach. Now, you are following suit with your own unlawful practices. 

For the past XXXX years, I have repeatedly requested documentation of the XXXX XXXX account. I have asked for proof of the debt, the signature, and a valid method of verification, yet you have failed to provide anything substantial. Your responses have been limited to automated XXXX XXXX data and responses generated by XXXX XXXX, which have no legal standing. 

Most recently, between XX/XX/XXXX, and XX/XX/XXXX, you added the XXXX XXXX account to my report as if it were a new account, stating that it was opened on XX/XX/XXXX. The report goes on to say, Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. This is completely falsethe account was removed previously and has been under dispute for years. Now, youre presenting it as a new account, with incorrect status of 10 months 30 days old. This is a clear violation of 1681i ( a ) ( XXXX ) ( B ), which mandates notification within 5 days when any account is re-reported. 

This account reappearing after previously being removed is a direct violation of the Fair Credit Reporting Act ( FCRA ), and Ive made it abundantly clear in previous disputes that I do not know this creditor and have not been provided legitimate proof of the debt. Despite repeated requests, you have failed to prove that this account is mine, and yet you persist in presenting it as an active, verifiable account. Your actions are an egregious violation of my rights and have caused significant damage to my XXXX XXXX and financial opportunities. 

Furthermore, you continue to ignore the impact your repeated unlawful reporting practices have had on my life. XXXX XXXX and Finewise/Opploans have been removed by both XXXX and XXXX, but you persist in adhering to your own arbitrary procedures instead of following the law. This is not just unprofessional, it is fraudulent and is causing me severe financial harm, including lost opportunities for housing, loans, and credit. 

I have asked for proof of debt, documentation of the last payment, and proper investigation procedures multiple times, and you have ignored these requests for over XXXX years. Your failure to provide these basic consumer rights is unacceptable. 

If this account is not deleted immediately and my credit score is not fully restored to its accurate status, I will pursue legal action under the FCRA and XXXX XXXX Deceptive and Unfair Trade Practices Act ( FDUTPA ). This is the final warning : delete the account now or face legal consequences, including compensation for the damages caused. 

Your refusal to comply with FCRA regulations and failure to provide proper validation is unlawful. You will be held responsible, and I will ensure that you are held accountable for these repeated violations.

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