Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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/2018 I disputed an item on my TransUnion Credit Report via a certified Letter which included a Dispute Letter and a copy of the Disputed item ( XXXX  XXXX Account ). 

I stipulated that : According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX, XXXX XXXX, or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ). Please provide me with : the Name of the Person you spoke with who verified the account ; an original Consumer Contract with my Signature on it ; the Telephone Number of the person who verified this account ; and the Documentation Used to Verify the dispute. 

I received back a letter from TransUnion that said that my account had been " VERIFIED AND UPDATED '' but this letter did not include any of the information that I requested as per law. I then sent TransUnion a second letter via certifed mail on XX/XX/2018 again asking that : according to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ), I specifically requested that you provide me with : 1. the Name of the Person you spoke with who verified the account ; 2. an original Consumer Contract with my Signature on it ; 3. the Telephone Number of the person who verified this account ; and 4. the Documentation Used to Verify the dispute. 

YOU HAVE NOT PROVIDED ME WITH THIS INFORMATION WHICH IS GROUNDS FOR DELETION. 

Under the FCRA, unverified accounts MUST BE REMOVED and if you are unable to provide me a copy of verifiable proof as per my request above and as per the law, you must remove the disputed account. If you do not provide me with the above mentioned information to verify your investigation results as required by the law, I will file a complaint with the FTC and the Consumer Financial Protection Bureau. 

On XX/XX/2018 I received a letter from TransUnion where they stated that their Investigation Results had been " VERIFIED AND UPDATED '' yet they Provided none of the required verification information that I requested. 

I am requesting your assistance in putting an end to this matter. I have already sent a letter to the FTC and I am now contacting your organization because my rights have been violated and I want to have the referenced account perminantly removed from my credit report. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

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