Consumer complaint received 2022-04-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After recovering from XXXX twice, I began focusing on catching up on bills and reviewing my credit reports. I noticed errors on all three and began contacting the companies. On XX/XX/2022, I initiated or I thought I initiated a dispute with Transunion through their online services as I went through the process of typing in information, selecting the accounts that I wanted to dispute, and giving a reason for the items disputed and received a confirmation page that my dispute had been accepted. I disputed two bankruptcies that " Do Not Belong To Me '' and several inquiries that I do not recall initiated because I was suffering from XXXX during the time frame of the inquiries and I was too sick to have been able to apply for credit in person or online. On XX/XX/2022, I called and spoke to a Transunion representative to confirm that the investigation was occurring. I was informed that the investigation had been completed and I should receive the results in the mail within 7-10 business days. I began to ask further questions such as : Could you give me the results over the phone? 
I got the same response, " You should receive the results in the mail within 7-10 business days. '' How could an investigation be completed so quickly? 
I got the same response, " You should receive the results in the mail within 7-10 business days. '' I became frustrated and ended the call. I tried to go online to restart the dispute, but I kept getting an error message and could not submit the dispute online. I was, however, able to get through the website to purchase reports and credit monitoring services. 

On XX/XX/2022, I sent a certified mail to Transunion detailing the dispute in writing. There were two separate letters within the mail. One letter detailing my experience through the call-in process. In the second letter, I included a list of all the accounts that I wanted to dispute. I listed the accounts, the account numbers as they appear on my credit report, and the reason for my disputes. I received a green card in the mail from the XXXX XXXX XXXX showing a Transunion LLC stamp with the date of XX/XX/2022, on it, signaling that the certified mail that contained my reporting of my terrible customer service experience and my request for another investigation had been received. 

I called TransUnion on Monday, XX/XX/2022, to again check the status of my investigation and experienced the exact same customer service from the previous month. that I had previously disputed. 

I have since put a freeze on my credit report until I clarify this matter. I also contacted the bankruptcy court that is supposedly reporting the information. I have received documentation from the bankruptcy court stating that the two bankruptcies listed on my credit report had not been verified by them as the courts do not verify the information.

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