Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Previously I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On XX/XX/2023 the agency sent a letter stating that you had completed your investigation and these items were not deleted, as requested. 
I requested specific information as proof of ownership of debt, and did not receive that information, nor the methods used for verification, merely a copy of my credit report showing the items verified, no change or updated. 

I contend that these accounts are inaccurate, as transunion has provided no proof of their initial investigation as requested previously, and I requested a thorough re- investigation into its validity and immediate removal from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and its relevant provisions. 

Under the FCRA, it is their responsibility, as a credit reporting agency, to ensure the accuracy of the information they report. 

In this letter ( attached ) I requested : 1. **Validation of Debt** : Pursuant to Section 609 ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to request valid documentation to substantiate the existence and validity of this debt. I hereby request that TransUnion provides me with the following documentation : a. The original instrument of indebtedness, including any wet ink signatures or original contract agreements that verify the legitimacy of this debt. 

b. Proof of a legally valid assignment of this debt, establishing the original Creditor Names right to assign it to the current creditor if the account is in collection status.

2. **Accurate Reporting** : Section 611 ( a ) ( 1 ) ( A ) of the FCRA stipulates that you must ensure that the information you report is accurate and up-to-date. If you can not substantiate the validity of this account, it is your legal obligation to remove it from my credit report without delay. 

I hereby request that TransUnion conducts a thorough re-investigation into the accuracy of these accounts. This re-investigation must include contacting the furnisher of this information to ensure the account 's validity. In accordance with Section 611 ( a ) ( 7 ) of the FCRA, I expect this investigation to be completed within 15 days and for the results to be communicated to me promptly. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Showing how these items were verified, and what information you were given to come to that conclusion Failure to comply with the FCRA 's requirements may lead to legal actions to protect my rights under this legislation. I trust that TransUnion will fulfill its obligations and promptly rectify this matter. 

I asked that they Please reply within 15 days with a complete copy of my credit report via US Mail or delete the negative items, as originally requested. 

It has been over the 15 days since the date of my request and TransUnion has failed to provide me with their methods of verification and proof of ownership of debt, with supporting documents. as is my right to request and have in my procession. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand immediate deletion of these accounts from my credit report, as TransUnion has failed to provide documentation as requested.

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