Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
- - - THIS IS NOT A DUPLICATE COMPLAINT - - - A similar complaint was filed with the CFPB on XX/XX/XXXX. This follow-up complaint is at the advice of XXXX, XXXX XXXX at the CFPB 's call center, who on advised that the responses received to complaint ID XXXX, complaint ID XXXX, and complaint ID XXXXwere not proper responses and suggested that the complaints be refiled against the credit bureaus because according to the CFPB 's rules, XXXX and TransUnion 's responses ( to complaint ID XXXXand complaint ID XXXX ) should have been to address the actual complaints and not initiate new disputes. XXXX advised that the credit bureaus have 15 days to respond to the initial complaints or request for additional time ( 45 days ) if the issue is more complicated but, not just file a new dispute as XXXX and TransUnion did in complaint ID XXXX complaint ID XXXX, XXXX also advised that XXXX 's response to complaint ID XXXXwas improper and suggested that a follow-up complaint be filed against XXXX as well while he communicated the credit bureaus ' responses to the next level of support from his end at the CFPB. Below, please find the complaints to be refiled. 

- - - On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dispute letters were mailed to XXXX, XXXX, and TransUnion regarding the correction of several inaccuracies on the following accounts : XXXX XXXX XXXX XXXX # XXXX ...., XXXX  XXXX XXXX # XXXX ...., XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX CARD # XXXX ..XXXX XXXX XXXX XXXXXXXX XXXX # XXXX ... XXXX, TXXXX 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, and XXXX XXXX & XXXX # XXXX. 

Pursuant to 15 U.S. Code 1692g, letters requesting the validation of debt were mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX directly to 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, and XXXX XXXX XXXX XXXX # XXXX. 

In accordance to 15 U.S. Code 1692g, 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, and XXXX XXXX XXXX XXXX # XXXX were to provide an itemized breakdown of what the past due balance is for and include a copy of a signed contract from the original creditor for this debt. 

Pursuant to FCRA section 609, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a request for copies of the original signed contract/agreement/application was sent to XXXX XXXX XXXX XXXX  # XXXX ...., XXXX XXXX XXXXXXXX # XXXX XXXX XXXX, XXXX # XXXX ...., XXXX XXXX # XXXX ...., XXXX CARD # XXXX ...., XXXX XXXX  XXXX XXXX # XXXX ...., XXXX XXXX  XXXX # XXXX ...., and XXXX XXXX # XXXX ..... 

As of today, the credit reporting agencies ( XXXX, XXXX, and TransUnion ) and credit furnishers ( XXXX XXXX XXXX XXXX  # XXXX ...., XXXX  XXXX XXXX # XXXX ...XXXX XXXX # XXXX ....XXXX XXXX XXXX  # XXXX ...., XXXX CARD # XXXX ...., XXXX XXXX XXXXXXXX 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, and XXXX XXXX & XXXX # XXXX ) h

ave yet to respond back to the disputes, debt validation, and section 609 requests. - - - THIS IS NOT A DUPLICATE COMPLAINT - --

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