Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
Currently, I am trying to close on a house. When a credit report was run in order to obtain a loan, TransUnion notified XXXX XXXX ( the loan company ) that there was issue with my SSN. When I called TransUnion, they let me know that XXXX XXXX XXXX ( credit furnisher ) had reported my SSN incorrectly. 

I spoke with TransUnion to fix the mistake. I was told by several people at TransUnion that I may mail a copy of my drivers license, banking information and a letter stating my SSN, my file number and reason for request in order to fix my SSN on my credit report. This was on XX/XX/XXXX. I called again on XX/XX/XXXX to verify that this was all that was needed. At this time, I was informed that I MUST have a copy of my SS card. At first, I was informed that the SS card was not necessarily needed. 

Frustrated, I went to the Social Security Administration and applied for a copy of my SS card. Once I had received a copy, I overnighted the correct documents on XX/XX/XXXX. I also secure emailed copies of my SSN and license to XXXX XXXX XXXX to fix the issue on their end as well on XX/XX/XXXX. I called TransUnion to confirm that they had received the documents. EVERYONE who I had spoken to at this point has explained that it takes five business days to report the new social. When I called back to confirm they received the documents, they said it would take over ten business days to correct. 

On XX/XX/XXXX, I called once more to check the status of my request. I spoke to the Special Issues Department at TransUnion. There, I was told that they had changed my SSN on my file, however, until they receive notice from XXXX XXXX XXXX that they corrected the SSN on their end, they would not be able to update my credit report. 

Under " A Summary of Your Rights Under the Fair Credit Reporting Act document on the ftc.gov website it states " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

Base on the quote above and the requirements of the Fair Credit Reporting Act it is TransUnion 's responsibility to fix the issue within 30 days without requiring information or clarification form XXXX XXXX XXXX, the credit furnisher. 

When speaking to XXXX XXXX, they stated that they have already updated the SSN in their system, however, they received several error messages when attempting to send the updated notice to TransUnion via e-oscar. On XX/XX/XXXX we provided XXXX XXXX with the phone number to TransUnion 's marketing department in hopes that XXXX XXXX will attempt to contact TransUnion via phone to provide the details that TransUnion is looking for. 

We are scheduled to close on a home in 3 days ( XX/XX/XXXX ). Without TransUnion updating the SSN in their system and on my credit report file we are unable to close on this home and may be homeless and without housing until the issue is resolved. This  matter is extremely urgent and Im pleading with the CFPB to please look into this issues with utmost urgency. Thank you!

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