Consumer complaint received 2024-01-09
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 on XX/XX/2023, I requested an investigation regarding inaccurate/erroneous items on my TransUnion credit XXXX that were being reported erroneously. On XX/XX/2023 the agency sent a letter stating that they 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, merely a copy of my credit report showing the items verified, no change or updated. There was NO PROOF of validation as requested for the items listed below. 

I contend that these accounts are inaccurate, as XXXX has provided no proof of their initial investigation as requested previously, and I requested on XX/XX/XXXX a thorough 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 the credit agency 's responsibility, as a credit reporting agency, to ensure the accuracy of the information they report. 

I am writing to file a formal complaint against TransUnion, as they have failed to respond to my re-investigation dispute request for them to provide me with proof of validation and methods used to come to their conclusions within the mandated XXXX RE-Investigation time period, as per the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a re-investigation dispute request to TransUnion, challenging several incorrect and erroneous items on my TransUnion credit report that I did not receive documentation for the first time I disputed. 

As outlined in the FCRA, I understand that TransUnion is obligated to conduct a timely and thorough re-investigation into the disputed items and provide me with the results, including any supporting documentation that I specifically asked for, as noted on the attached letter. including original contracts with my signature. 

As of today 's date, more than 15 days have passed since my re-investigation dispute request, and I have not received any response from TransUnion. This lack of communication is not only a violation of the FCRA but also an impediment to my right to accurate and fair credit reporting. 

Furthermore, I explicitly requested documentation showing proof of TransUnion 's initial validation of the disputed accounts. This documentation is essential for me to assess the validity of the reported information and ensure that TransUnion complies with the FCRA 's requirement for a reasonable investigation. If TransUnion did not substantiate the validity of these accounts, it is their legal obligation to remove it from my credit report without delay. 

More importantly to note -the other XXXX credit reporting agencies were not able to provide proof of validation for these items, therefore how was TransUnion XXXX to? the other agencies have taken steps to correct this information. It is my right for accurate reporting from all XXXX credit agencies and since the same accounts were challenged across all three- it is impossible that XXXX were not able to validate and XXXX was ... .and without proof. The other XXXX agencies have deleted these entries, and TransUnion should follow suit. 

I am deeply concerned about the impact of these inaccuracies on my credit standing and financial well-being. I kindly request the Consumer Financial Protection Bureau 's intervention to ensure that TransUnion takes corrective action in accordance with the FCRA. 

Accounts in question that required PROOF of validation as my right as requested and has not been provided by TransUnion : 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 XXXX Names right to assign it to the current creditor if the account is in collection status. 

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 XXXXXXXX ( reporting TWICE ) XXXX XXXX XXXX XXXX  XXXX These XXXX were never XXXX XXXX me and As this reinvestigation was not completed in the mandated time frame, DELETE these items from my credit report immediately or I will be forced to take legal action.

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