Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
I am filing this complaint against TransUnion because they have failed to comply with the Fair Credit Reporting Act XXXX FCRA ) by using multiple stall tactics and using computer-generated responses to my dispute letters. On XX/XX/XXXX I pulled my TransUnion credit report. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting were not mine. After trying to update my personal information, I disputed XXXX ( XXXX ) inaccurate accounts which were XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXXT with TransUnion via U.S. certified mail on XX/XX/XXXX. See attached. TransUnion deleted accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXXT as a result of the dispute investigation. TransUnion claimed to have verified the XXXX and SXXXX accounts. However, I received a notice dated XX/XX/XXXX from TransUnion reinserting the XXXX   account consisting of 16 digits. See attached. TransUnion failed to comply with FCRA section 611 ( B ) ( ii ) by failing to properly notify me of the reinsertion. See attached. The reinsertion was done on XX/XX/XXXX but I didn't receive notice of the reinsertion until XX/XX/XXXX. On XX/XX/XXXX I requested TransUnion method of verification for verifying the reinserted account and my request was completely ignored. 
On XX/XX/XXXX, I pulled my TransUnion credit report again and discovered that the XXXX XXXX XXXX XXXX is now reporting an account number which only consist of 12 digits. See attached. I also discovered that the XXXX and XXXX account numbers were completely changed as well. In XXXX, XXXX were reporting an account number that consisted of 12 digits and on my XX/XX/XXXX credit profile its reporting an 8 digit account number. In XXXX, XXXX were reporting an account number consisting of 16 digits but on my XX/XX/XXXX credit report its reporting an 12 digit account number. 
So, on XX/XX/XXXX, I certified mailed another dispute letter to TransUnion disputing the new inaccurate XXXX XXXX XXXX XXXX account number along with disputing the inaccurate DSNB/MACYS and SYNCB/WALMART accounts. See attached. I do not have any contracts for any of the disputed inaccurate accounts and know that they can not be verified. If the inaccurate items including XXXX XXXX XXXX XXXX, XXXX and XXXX are not properly re-investigated and verified by documentation with my wet ink signature on it then TransUnion has no choice but to delete it from my credit report. They have failed to verify the disputed accounts and has failed to delete them from my credit report which violates the FCRA. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. To date, TransUnion has not responded to my XX/XX/XXXX dispute letter.

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