Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX I submitted a request via mail asking the credit bureau to look into specific accounts reporting on my credit as they contained information that was incorrect. After 60 plus days, the information came back verified. I then sent out a letter in XXXX specifically asking for METHOD OF VERIFICATION of those accounts. As I have attempted to reach out to the creditors myself via phone, mail and other sources. 

XXXX, after doing a through investigation was not able to verify any of the accounts. They were DELETED, and the 2 that were able to be verified correctly updated the information requested and fix the problem. All Creditors report THE SAME information to each bureau. SO, no discrepancies should be in my reports. 

XXXX and TRANSUNION both CLAIM to have verified the accounts. But I requested my CREDIT FILE via 609 letter and method and have received nothing. It is against my FCRA, FCDPA, AND FTC rights to have a accurate representation of myself with creditors. When you have these XXXX companies reporting outdated information or incorrect information it reflects when I apply for new credit. 

I am attaching the SPECIFIC letters I sent and verification I sent to the creditors and request that this information be verified by credit file on it be sent over to me or DELETED, because I have requested the information twice and received nothing pass the 60 days needed to do a through investigation. 

Because on XX/XX/XXXX, I sent a letter out for the 3rd time specifically detailing how they kept verifying collections that I previously sent them factual documents that were proof it was paid. It was not until I filed an CFPB complaint after the collection companies could not produce sufficient documentation to me, they deleted it. 

I furthermore, contacted XXXX and spoke with a representative named XXXX, who tried to inform me that their method of reporting is correct. When I pointed out the discrepancies in their reporting and updating information to cover up not properly investigating. I received an email update to my personal information that I never requested and is not a means of verifying nor did I request a phone dispute. I requested to get my documents only and verify they received the correct letter. She refused to address my specific question and was told a supervisor would contact me. I have moved forward with contacting my Attorney General, as both companies were previously sued for the same claims in XXXX. I am requesting it be verified and information sent over, or I will pursue legal means of getting the corrections made and violations paid out due to the stress is causing me to obtain credit for things I need. 

see attachments.

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