Consumer complaint received 2021-05-05
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I mailed a certified letter with return receipt service to TransUnion XXXX Solutions requesting the Method of Verification that was used to verify a XXXX Chapter XXXX bankruptcy case that they were reporting on my TransUnion annual credit report file number : XXXX. I stated in the letter that I was excercising my rights under the Fair Credit Reporting Act that says a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. " I stated in the letter that I was not disputing nor was I asking for an investigation into the reported Chapter XXXX bankruptcy. I clearly stated in the letter that I was only requesting the Method of Verification procedure for the following items regarding the reporting bankruptcy : the description of the procedure used to determine the accuracy and completeness of the information ; name, address and telephone number of each person they contacted to verify the bankruptcy with ; and a copy of any documentation that was used to verify the bankruptcy. I also stated that I anticipated a response within 15 days of receipt of this letter in compliance with the FCRA. In this letter, I included all of my personal information : name, current address, date of birth, and social security number. I also included a copy of my driver 's license and social security card as proof of identification. Within 15 business days, I received a one page letter with the same file number that was dated XX/XX/2021 that stated, Re : Investigation Procedure. This was merely a generic letter that described the way they go about investigating a dispute. This was not the Method of Verification procedure letter that I had requested regarding the reported bankruptcy. A week later, after the 15 business days had expired, I received a backdated XX/XX/2021 full copy of my TransUnion credit report with the same file number as the one I had listed in my Method of Verification request letter to them. Two weeks, after the 15 business days had expired, I received a backdated XX/XX/2021 letter saying that the disputed bankruptcy had been verified as accurate according to their investigation. I did not send TransUnion a dispute letter. I did not request an investigation be initiated concerning the bankruptcy. I requested the Method of Verification that they used to verify the accuracy of the bankruptcy. No where in any of these three letters from TransUnion did they provide me with the Method of Verification procedure that was used to verify the accuracy of the bankruptcy case that they are reporting which is a violation of my rights under the Fair Credit Reporting Act.

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