Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX I INIATED A DISPUTE HANDWRITTEN BY CERTIFIED MAIL TO TRANSUNION CONSUMER SOLUTIONS ADDRESSED TO XXXX XXXX XXXX XXXX, PA XXXX WHICH WAS RECEIVED XX/XX/XXXX DISPUTING THE INACCURACY OF 4 COLLECTIONS ACCOUNTS ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I RECEIVED A RESPONSE ADDRESSED TO XXXX XXXX AT MY HOME MAILNG ADDRESS ON FILE DATED FOR XX/XX/XXXX STATING UNABLE TO LOCATE A REPORT ; WITH MY LAST NAME SPELLED WRONG AS XXXX NOT XXXX. I THEN FOLLOWED UP WITH A CALL TO TRANSUNION REGARDING THE STATUS OF MY DISPUTE AS WELL AS TO QUESTION THE INACCURATE SPELLING OF MY LAST NAME. I TOLD THE AGENT IT HAD BEEN MORE THAN 30 DAYS AGO AND I HAVE NOT RECEIVED ANY REQUESTED PROOF OR INSTRUMENTS DETAILING THESE ACCOUNTS ARE VERIFIED AND BEING REPORTED ACCURATELY, YET THEY ARE STILL BEING REPORTED. ONLY TO BE TOLD BY THE AGENT NO DISPUTE HAD BEEN RECEIVED! I GAVE HER THE DATE IS WAS RECEIVED VIA TRACKING INFORMATION SHOWING XX/XX/XXXX. SHE THEN PROCEEDS TO SAY SHE DOES SEE THE DISPUTE LETTER MAILED IN ; APOLOGIZED AND CONNECTED ME TO A SUPERVISOR. WHOM THEN IMMEDIATELY ALSO DENIES EVER RECEIVING ANY MAIL DISPUTES FROM ME SINCE XXXX AND SAID " ITS NOTHING HE CAN DO HE DOES NOT SEE ANYTHING REMAIL PROOF OF DISPUTE '' I RESPONDED I INFACT DID THE DAY BEFORE CALLING IN TO FOLLOW UP AND HE RESPONDED WELL I HAVE TO GIVE THEM 5 DAYS AFTER RECEIVING THE PROOF ( WHICH WAS RECEIVED XXXX XXXX ) TO GO OVER THE DOCUMENTS. WHICH I RECEIVED A LETTER DATED XX/XX/XXXX BASICALLY SAYING I HAVE TO CALL IN TO VERIFY MY IDENTITY IF I WANT TO FILE A DISPUTE ( EVEN THOUGH I CALLED 5 DAYS EARLIER TO FOLLOW UP ) THAT RECEIVED A REQUEST THAT APPEARS IT WASNT FROM ME OR AUTHORIZED BY ME. ONCE AGAIN ADDRESSED TO XXXX XXXX NOT XXXX XXXX AS SPECIFIED IN MY DISPUTE LETTERS AND CREDIT PROFILE BEING MAINTAINED BY TRANSUNION. I CALLED IN TODAY XXXX XXXX & SPOKE TO A AGENT WHO COULD NOT ASSIST ME WITH DELETION BECAUSE IT IS OUT OF HER AUTHORITY TO DO ANYTHING AND THE SITUATION NEEDS TO BE ESCALATED AND I DIDNT WANT TO RESTART THE DISPUTE PROCESS ( only thing she do within her power ) ADDING 30 MORE DAYS. SHE CONNECTED ME TO A SUPERVISOR OVER HER SUPPOSEDLY. THIS FEMALE SUPERVISOR THEN PROCEEDED TO STATE AS THE OTHERS TRIED BEFORE HER THAT NOT DISPUTE HAD BEEN RECEIVED WHICH I COUNTERACTED WITH ONCE AGAIN THAT IS FALSE AND I HAVE THE TRACKING WHICH SHOWS WHEN BOTH DOCUMENT ENVELOPES WERE RECEIVED AND THE LAST ONE SIGNED FOR XX/XX/XXXX. SHE CONTINUOUSLY AND INTENTIONALLY CONTINUED TO DECEIVE ME UNTIL SHE REALIZED I WAS FAMILAR WITH FCRA. THEN SHE FINALLY TRANSFERRED ME TO A SUPERVISOR OVER HER. THIS FEMALE SUPERVISOR ATTEMPTED THE SAME TACTICS UNTIL I STATED I RECEIVED RESPONSES BOTH TIMES ( from my initial dispute and follow up ), " SO WHAT IS TRANSUNION RESPONDING TO IF YOU DID NOT RECEIVE A DISPUTE ''. I STATED I PROVIDED A COPY OF MY DISPUTE FROM XXXX, CERTIFIED RECEIPTS AND THEIR RESPONSE IN MY SECOND MAILING. AND GAVE HER THE FILE NUMBER ATTACHED TO THER RESPONSE AS WELL AS NOT TO MENTION I WAS GIVEN A TOTALLY DIFFERENT FILE NUMBER WHEN I CALLED IN TODAY. SHE THEN STATES " OH I SEE WHAT HAPPEND THE POST OFFICE PUT CLEAR TAPE OVER THE LAST LETTER IN YOU NAME. I SAID WELL THATS NOT MY FAULT AND BURDEN OF PROOF WAS ON THEM AND THE ACTUAL LETTER STILL IDENTIFIED ME CORRECTLY. SHE THEN SAYS WELL ITS ILLEGIBLE WHICH IS FALSE ALSO. AND BASICALLY SAID IF WANTED TO DISPUTE STILL MY DISPUTE WILL START FROM TODAY NOT AT THE TIME OF THE LETTERS BENG SENT THE FIRST NOR SECOND LETTER. I TOLD HER I MAINTAINED ALL COMMUNICATIONS AND MAILNG RECEIPTS JUST IN CASE FOR THIS VERY REASON. SHE THE STATED SOMEONE PROBABLY ASSUMED I A THIRD PARTY ACTED ON MY BEHALF BECAUSE OF HOW KNOWLEDGEBALE MY LETTER APPEARED. I STATED IM NOT A XXXX  CONSUMER STUDY FCRA, FDCPA, UCC, EQUITY AND SO ON. I HAVE DISPUTED ITEMS BEFORE WITH NO ACTION BEING TAKEN. TRANSUNION IS INTENTIONALLY AND WILLFULLY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE BEING MAINTAINED BY THEM! I RECENTLY DISPUTED INACCURATE CARD BALANCES ON OPEN ACCOUNTS AS WELL AS PERSONAL INFORMATION. IT APPEARS THE HAVE MAJOR ERRORS WITH REPORTING ACCURATE AND VERIFIED INFORMATION AND HAVE ADOPTED A POLICY OF APPEARING TO NOT RECEIVE DISPUTES WHEN THEY IN FACT HAVE! THIS IS EFFECTING MY LIFE TERRIBLY AND PREVENTING ME FROM BEING APPROVED FOR HOUSING AND MUCH MORE. 

SIDENOTE : XXXX XXXX WAS DELETED BUT NOT ON TRANSUNION BEHALF

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