Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Federal Trade Commission CFPB Social : XXXX CC : Attorney General State of South Carolina TransUnion Credit Bureau The reason you have received this correspondence is In reference to the complaint referring to Transunion. This has been a complaint that has been going on for over a decade and this company simply is showing absolutely no good faith, no professional behavior and even in the tone of the letter they submitted to you, I infer the manner in which they are so passive aggressive and dismissive of the matter, when the issue is clear that no investigation ever took place, and I personally believe that this company, regulated by federal law, as no intent to comply with federal law.

The simple fact of the matter is that there are consolidated loans in my name that were, I believe, dismissed under a personal bankruptcy. Once the bankruptcy was discharged by a sitting judge in the Western District of New York. I made certain that all credit bureaus were made aware of the discharge. I did not owe these loans back. Copies of the Petition and the Court Order were sent to all three major credit bureaus. The issue at hand is the fact these loans that were forgiven may have been combined in the consolidated loan package and must be removed from the total loan balance. All of the CBR agencies received the documents and in some cases the loans were removed from the report. Unfortunately, the agencies may have allowed their subscriber to place this incorrect defamatory information back onto the report. Knowing that the information may be wrong. Allowed the source to place the data onto my personal credit report. Now, allow me to understand this, just so I am clear, if a business or organization pays your company to have a subscription to review and add information to a credit report, publishes false information, you have an obligation to investigate the matter, not just send an electronic message to the subscriber. The subscriber or merchant pays you money for the service of access to the credit file. I dispute the accuracy of the information. The source, merchant places inaccurate information back onto the credit report. The major difference between a person who has a credit report and the person who can place false information onto a credit report is one party pays you. I had a subscription at one point but saw little value because there was very little or no communication from your organization, TransUnion. I received most of the information from your company when my Trans Union membership was expiring and when I have to file a XXXX XXXX complaint, which I would rather not do, because its more work for everyone. To simply state that this matter has already been reviewed, may be true, but if it was investigated you would know the truth and be less defensive. I also requested proof of an actual investigation and what the parameters and process of an investigation so I can be a better more informed consumer, and the only response I ever got was we send an electronic message to the merchant reporting the debt. That is not an investigation. You publish an electronic report. You publish a hard copy report. You may have slandered me for the past 20 ( twenty ) years. 
Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 607 - 15 U.S.C. 1681e 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

I have in the past and am now, in very simple and direct English requesting a definition and description of exactly what your investigation process is. I expect an answer to this within 15 days. 
Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; 611 - 15 U.S.C. 1681i Reinvestigations. Notwithstanding the time periods specified in section 611 ( a ) ( 1 ), a reinvestigation under that section by a consumer reporting agency upon a request of a consumer that is made after receiving a consumer report under this subsection shall be completed not later than 45 days after the date on which the request is received.

Conslusion : I am formally requesting all student loans to be reinvestigated, the Court Order that was confirmed as received by TransUnion be reviewed and applied to the loans listed on the bankruptcy petition. I am asking for the definition of the investigative process and proof of an investigation actually occurring. I do not believe an investigation ever was conducted in the past 20 years. In the meantime, I am ordering you under FACTA and FDCPA ( Title 15 USC ) to immediately stop publishing defamatory information in reference to me and my personal financial information regarding student loans immediately. It is also very telling how much that you disrespect me in my efforts to assist you in complying with federal law, as you have blocked my access to your organizations website, forcing me to file this complaint. So, you did this to yourself. 
Sincerely, XXXX XXXX XXXX

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 explanation