Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about TRANSUNION reporting XXXX information on my Credit Card with XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on AUG-OCT or XXXX and that, that information was incorrect as I had called XXXX  XXXX XXXX  and they promised to make MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! This is now my THIRD TIME asking TRANSUNION through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times!! They just simple copy and paste my original report, they are literally NOT doing ANY INVESTIGATIVE work. Which is a DIRRCT VIOLATION of my rights as they are NOT ALLOWED TO USE THE ORIGINAL CREDITOR as means for proof of accuracy and they know that!! They just dont want to have to do any work whatsoever!! They DO NOT see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained THROUGH PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM THE CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have YET to give me a fair and proper investigation! As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from the CREDITOR of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! They just continue to deny me of my rights again and again.

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