Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 first disputed the bankruptcy online with all three credit reporting agencies XXXX, Transunion and XXXX with no result. Back in XX/XX/XXXXof 2019 I sent out a letter disputing a bankruptcy that showed up on my credit report. I sent a consumer statement as well as court documents stating no information was shared with the credit reporting agency. 
In mid XX/XX/XXXX, I received a letters from XXXX, XXXX and Transunion stating they had verified this bankruptcy information with a third party XXXX in XX/XX/XXXX. XXXX  stated XX/XX/2019. I contact XXXX by phone and requested an inquiry report to see if in fact verified that information. I received the XXXX report 2 weeks later. There was no inquiry from XXXX on that day. On XX/XX/XXXX i sent, by certified mail, a letter in XXXX and XXXX requesting the deletion of the bankruptcy because the verification was not completed. I included all information sent previously, which included the initial dispute letter, copies of my ID and SSN, the pack of all inquiries made to XXXX XXXX in 2019 and another request for removal with the 15 day FCRA information regarding re-investigations. XXXX  sent a letter stating the ID information was too dark and could not be used, however this was 45 days later. On XX/XX/XXXX, i sent out a new letter with new ids and energy bills to XXXX  and XXXX, which XXXX   received on XX/XX/XXXX. Since i hadn't heard from them nor seen the deletion i decided to call. 

I had yet to hear from transunion. I sent them a failure to respond letter demanding deletion. I also called, the rep stated they didn't receive my certified letter which i showed they did using the usps track number. I then received a non descriptive explanation of how they verify information in general but not specifically to my affair. So I sent a final letter on XX/XX/2019 certified. 

On XX/XX/2019, i called and Spoke with XXXX  at XXXX, she stated that she could not tell me when they received my letter but to wait 30 days. I told her the Letter was received XX/XX/XXXX per the tracking number. I asked her why XXXX  Still has not removed bankruptcy since they were now In violation of fair credit reporting act Description of re investigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by  not later than 15 days after receiving a request from the consumer for that description. She stated that because there was no consumer statement from the online request that XXXX could not delete this information. I asked for a supervisor. Supervisor = XXXX. He refused to honor my request because of the IDs. I asked why they couldn't use the IDs I had previously sent and he had no answer. 
Reasons why they havent removed bk No consumer statement Ids too dark even though previous IDs were just fine Stated he could not  remove bk without court documents Stated courts needed to verify bk They did go over time but was still unable to remove bankruptcy I asked what type of documents from the court were needed he did not answer Before hanging up on me I asked him can they prove this bankruptcy was mine and listed on my report accurately and he stated only i can tell him if it was correct. never did he once state that the information was proven to be accurate.

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