Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 received your letter stating that you have stopped investigating my credit file because you believe I am using a credit repair company. You are surely aware that the Fair Credit Reporting Act does not prohibit me from using a credit repair company, nor does it absolve your from the requirements to investigate my disputed credit items. I want to make clear that I provided proper identification and also sufficient information to investigate the disputed information. I am within my rights to be granted the required investigation. By failing to investigate my account within the required 30 day period due to your irrelevant excuse, I consider you to be acting either willfully or negligently in noncompliance with the requirements of the Fair Credit Reporting Act. In good faith, I request that my original request for investigation be completed. 

Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX BANK, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXX XXXX  Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I notified you that I'm a victim of identity theft and section 623 states that you're not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my credit

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