Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XX/XX/XXXX On XX/XX/XXXX, I sent a letter, dated XX/XX/XXXX to Transunion Consumer Solutions via USPS Certified Mail, Tracking Number XXXX. The letter was received by Transunion on XX/XX/XXXX at XXXX XXXX : It was delivered to XXXX. XXXX XXXX, XXXX, Pennsylvania XXXX. 

The letter included a cover page, that identified two attachments to the letter ; The first attachment was a request under the Fair Credit Reporting Act Section 611.a, Paragraph 7, requesting a Method of Verification for a previous dispute investigation, into an account being reported by XXXX XXXX XXXX XXXX XXXX ( I had initially sent Transunion on XX/XX/XXXX a letter, dated XX/XX/XXXX, disputing inaccuracies regarding the XXXX XXXX XXXX XXXX account that were reporting on my Transunion consumer credit file. I requested that Transunion investigate numerous items that I believe to be inaccurate, which as a result was damaging my credit score. 

The second attachment was a request for Transunion to open a new dispute investigation into an account being reported by XXXX XXXX. 

For the purpose of this CFPB Complaint, my only complaint with Transunion is how they handled the first attachment to the XX/XX/XXXX letter, which was the Method of Verification request for the XXXX XXXX XXXX XXXX account. 

I decided to call Transunion customer service phone support on XX/XX/XXXX. Transunion was mandated to reply to me within 15 days, as specified under the Fair Credit Reporting Act Section 611.a, Paragraph 7,  regarding the letter for the XXXX XXXX XXXX XXXX account XXXX 

When I contacted Transunion by phone on XX/XX/XXXX, I spoke with a phone representative ; the phone representative identified herself as XXXX XXXX. She stated that she does not have an employee ID number. 

I explained to XXXX XXXX that I mailed, via Certified mail, a request for the Method of Verification, under the FCRA Section 611.a, Paragraph 7,  regarding a previous dispute of the XXXX XXXX XXXX XXXX account that Transunion verified XXXX I asked XXXX XXXX to please provide me with a status update regarding the Verification. XXXX XXXX stated to me that my letter was shown as received in the Transunion computer system on XX/XX/XXXX. She then proceeded to tell me that my letter was logged as a new dispute of the XXXX XXXX XXXX XXXX account, and that I would receive the results of the investigation within 30 days. 

I explained to XXXX XXXX that my letter clearly stated that I was exercising my consumer rights under the Fair Credit Reporting Act, Section 611.a, Paragraph 7, which states 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. I explained to XXXX XXXX that the Fair Credit Reporting Act is a Federal law that regulates credit reporting agencies, such as Transunion, compelling them to ensure the information they gather and distribute is a fair and accurate summary of a consumers credit history. I proceeded to explain that Section 611.a, Paragraph 7 of the FCRA states that 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. I explained to XXXX XXXX that the 15-day period had elapsed on XX/XX/XXXX. 

XXXX XXXX said she was unable to provide me any further information. 

In closing, the reason I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) is that Transunion has willfully neglected my rights under the Fair Credit Reporting Act. My XX/XX/XXXX letter clearly stated I was requesting them to provide me information, and that Federal Law mandated them to respond within 15 days, regarding the XXXX XXXX XXXX XXXX account. Seeing as it appears that Transunion has blatantly violated Federal Consumer Protection Law, I am requesting that Transunion rectify this error on their part by completely deleting any and all derogatory late marks reporting on my consumer credit file for the XXXX XXXX XXXX XXXX account. 

ATTACHMENT ( S ) : 1 ). XX/XX/XXXX COVER LETTER REQUESTING METHOD OF VERIFICATION/DESCRIPTION WITHIN 15 DAYS FOR XXXX XXXX XXXX  AND REQUEST FOR NEW DISPUTE INVESTIGATION INTO XXXX XXXX ACCOUNT 2 ). INITIAL DISPUTE LETTER DATED XX/XX/XXXX FOR XXXX XXXX XXXX  3 ). USPS CERTIFIED MAIL - TRACKING NUMBER XXXX - DELIVERY STATUS FOR THE COVER LETTER & VERIFICATION LETTER DATED XX/XX/XXXX

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