Consumer complaint received 2021-08-11
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: Was not notified of investigation status or results

Complaint:
I sent in a dispute to TransUnion to have inaccurate information removed. Transunion started the investigation on XX/XX/2021 after they received it. So, the investigation started on XX/XX/2021 and it is now XX/XX/2021. The investigation has taken over 40 days and they keep switching the date of completion. It was originally supposed to be done on XX/XX/XXXX and now it was changed from XX/XX/XXXX to XX/XX/XXXX. They need to delete the disputed information since they've already gone over 30 days for the investigation and have not sent me the dispute investigation results and its been over 40 days. I have not received any written correspondence which is required by law specifically the FCRA laws. 
As of today on XX/XX/2021, they have closed the dispute ; however, they exceeded 30 days for the dispute investigation. Even though there was an error on their part, I should not be denied my dispute investigation resulting in the deletion of the disputed information according to the FCRA laws that they ignored. 
Please do not give me a generic response. I followed the required procedures for having my dispute investigated as Transunion previously stated : After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. XXXX XXXX will enter your dispute into our system and review all information and any additional documentation you provide to determine the next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. 

Again. The dispute investigation has been closed as of XX/XX/2021. The bankruptcy needs to be deleted in accordance with the FCRA laws that have been violated. After the first 30 days, the disputed bankruptcy was supposed to be deleted. At the fault of Transunion, the investigation took place from XX/XX/2021 until XX/XX/2021. 

If this does not get resolved I will be filing a lawsuit since I have not been given a clear explanation of what happened up until this point when the investigation was active on XX/XX/2021, until XX/XX/2021. When I spoke to Transunion 's dispute department they stated that everything was fine and after XX/XX/XXXX, the dispute investigation was still be reviewed even though it was a system error. Regardless of whether or not it was a system error, I have nothing in writing and that statement of a " system error '' is not justifiable especially since no Transunion employee informed me of when the dispute investigation was supposed to be resolved before there was a " system error. ''

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