Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This complaint is to inform the CFPB that Transunion continues to violate procedure in case of disputed accuracy 15 U.S code Section 11681i.

Which states ; in section ( 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 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 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 spoke with a representative of Transunion on XX/XX/XXXX. And he basically told me that I is not the reporting agencys responsibility to investigate. Which is a blatant violation of the FCRA. And is further evidence that Transunion never bothered to conduct a reasonable investigation in this case. 
The company furnishing this on my credit file has a history of misconduct. According to reviews on the XXXX XXXX XXXX website. They can not be trusted in conducting a fair and honest investigation. This is why an independent investigation is necessary. 
In regards to XXXX XXXX XXXX XXXX partial account number XXXX On XX/XX/XXXX I sent a certified mail with 47 pages of the lease agreement which did not bare any of my signatures. Along with a letter asking for a reasonable investigation.

I got a response 52 days later from Transunion only after initiating another complaint to the CFPB. Declaring the information as accurate.

Included in this correspondence, I included a copy of my state issued drivers license and a copy of my XXXX Pennsylvania tax return, showing that I did not live in XXXX, TX during that time. If they do their job, they would see that theres no XXXX address in my credit report. The written signatures sections on the leasing agreement sent to me by XXXX XXXX  is actually blank. NO ACTUAL PROOF THAT I SIGNED THE LEASE ADDENDUM. XXXX XXXX then send me a threatening letter informing me that they would not do any investigation on the matter and that the item would remain on my credit file. Furthermore, this consumer reporting agency has yet to respond to my previous complaint to the CFPB regarding this on XX/XX/XXXX. The same dispute letter was filed with XXXX and XXXX and the item was removed promptly. But Transunion has refused to fulfill their lawful obligation. 
According to the law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. 
Along with this complaint, I have included a certified receipt from the US postal service confirming that they have had more than enough time to conduct a reasonable investigation.

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