Consumer complaint received 2022-10-31
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account [ XXXX XXXX XXXX  ( XXXX ) ] multiple times directly with transunion via certified mail as well as through CFPB complaints with the latest complaint being XX/XX/XXXX, however they never resolve the issue and they have failed to put a notice of dispute on the account each time ( violation ) This account has been deleted with the other two agencies because they were not able to verify the information being provided so how did transunion manage to verify this account. 
" If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' the below information is from my previous CFPB complaint and as you can see the account that I referenced in my compliant was not even mentioned in the company 's response. 

In accordance with the FCRA the following accounts have violated my consumer rights. 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 ) 15 U.S.C 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 states that a consumer reporting agency can not furnish an account without receiving either written or verbal permission to do so. I have not given written nor verbal permission for any of the above accounts to be reflected in my consumer report. 


I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. 

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps. 
Inactive modal What would be a fair resolution to this issue? 
Remove the accounts from all consumer reporting agencies. 
What company is this complaint about? 
COMPANY INFORMATION XXXX XXXX XXXX XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX ADDITIONAL COMPANY Transunion credit reporting agency SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
true ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes ADDITIONAL CREDIT REPORTING COMPANY XXXX SOCIAL SECURITY NUMBER ( LAST FOUR DIGITS ) XXXX DATE OF BIRTH XX/XX/XXXX NAME AS IT APPEARS ON CREDIT REPORT XXXX XXXX COMPLAINT ALSO SUBMITTED TO THIS COMPANY? 
Yes ATTEMPTED TO FIX WITH THIS COMPANY? 
Yes What people are involved? 

YOUR CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX United States Sent to company STATUS Sent to company on XX/XX/XXXX We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company still working STATUS Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE We received your complaint about the items in your credit report, and apologize for any difficulty you may have experienced. We are currently reviewing your complaint along with the information you previously submitted regarding this issue. We will follow-up with you within sixty ( 60 ) days from the date you submitted your request. 
Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through XXXX mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-DELETED XXXX XXXX-UPDATED THE XXXX XXXX XXXXI - TOTAL VISA-UPDATED ( XXXX XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX-UPDATED

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