Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXXXXXX  I called all 3 credit bureaus ( XXXX, Transunion, XXXX ) yesterday to check the status of my disputes for items that were inaccurate and needed to be remove. I mailed in on XX/XX/XXXXXXXX  I spoke to each agency who advise me that they haven't received any mail disputes from me since XXXX of XXXX. Which is a lie because I kept all of my receipts from my tracking numbers which when I tracked the disputes it showed that the dispute was received on XXXX XXXX  that I mailed on XX/XX/XXXX. So they advise me that they haven't been receiving none of the dispute that I've mailed from last year as well as XXXX. They are just throwing away my disputes. These companies failed to operate according to the FCRA and never worked the disputes, the law states that account must be deleted. Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer 's request, disclose to the consumer information in the consumer 's file. According to the FCRA If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I will like for these items to be remove the credit bureas have failed to work the disputes that are being filed on my behalf. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

They have surpassed the 30 business days including the additional 15 days! It's a year late plus the dispute i sent on XX/XX/XXXX. The agent won't let me speak to supervisor. So I've attached the disputes mail from XX/XX/XXXXXXXX  and also have XXXX available.

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