Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion was tasked with investigating and running disputes for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After making arguments about a disputes items being investigated incorrectly I was transfer to who a supervisor was who verbally stated on record that they have 1. Received all documents for verification 2. Received all deletion files 3. Received a updated and accurate credit report from XXXX 4. Received fraud reports 5. Received CFPB Reports All other credit agencies that received this documents removed files for fraud and irregularities and Transunion admitted to not running disputes at FCRA standard as previously stated and this is verified by the recent removal of XXXX XXXX. They refused to investigate that file for 2 years even while being requested to so. Transunion has violated there following FCRA RULES 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information Account past due amount invalid, already paid and reporting well over amount in attempt to hurt credit. Transunion report has been modified with invalid data to punish and cohere consumer 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681 Violation 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate Collections account failed to identify itself properly, intentionally scribbled over name to make it so they can not be verified, signature is not legible for verification, letter does not provide all documents stated and letter is only a spreadsheet and does not validate debt Transunion for the 5th time has been caught reporting an account as valid and at FCRA standards when that is in fact not the situation. In all cases when they have been caught they have removed accounts instead of providing compensation for the financial strain and losss they have cause even while this issue has been going on for over 2 years. It is now present Transunion is working in a discriminatory manner and seeing minorities as issues they dont feel need to be investigated unless legal representation is sought after. Transunion verbally admitted over the phone to receiving documents and not running disputes because its not there responsibility Transunion specialist also made disputes near impossible for online submission with documents, over the phone and have lost numerous documents in the mail. Certified mail has cost over {$1000.00} out of pocket for each round of letters sent.

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