Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I have new and updated information pertaining to complaint # : XXXX. On XXXX XX/XX/2022, I filed dispute complaint # : XXXX with CFPB and they sent it to Transunion on XXXX XX/XX/2022 ; Transunion did not respond until XXXX XX/XX/2022, which is well past the 30 days congress gives the credit agencies to respond. This is in violation of 15 usc 1681i ( a ) ( 1 ) ( A ). According to my credit report the above accounts were not deleted and/or updated per my dispute. 

I filed the following complaint : In accordance with the Fair Credit Reporting Act, XXXX Account # : XXXX has violated my rights. 15 U.S.C. 1681 section 602 A : States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 15 U.S.C. 1681 section 604 A : States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Since you have completed your reinvestigation and still did not delete and remove accounts and information per disputed request, Now I am requesting my entire consumer credit file and report, as well as exercising my right under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently removed from my consumer report. Your company shall immediately cease and desist any and all collections of this alleged debt because you no longer have the right to assume it is valid since I have already disputed the entire amount in my previous letter.

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