Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX I mailed Transunion a dispute letter requesting an investigation. A received the green return receipt card from the USPS that it was received. A copy of the card is attached. A week or so later Transunion mailed me a letter requesting to send proof of address and identity to which I did. So I checked online on the Transunion website and I sent that nothing is in dispute or was marked in dispute. So Transunion has exceeded the 30 days required by law to investigate my dispute and number 2. Has either failed to notify of me of my dispute or even initiate a dispute per my request. 

Transunion restarted the investigation, without out my knowledge giving them more time which extended the 30 day period. 


In XXXX XX/XX/2021, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested Transunion to provide me the following information. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XX/XX/2021 I received an update that Transuinion had completed their reinvestigation. Per the report I received from Transuinon it failed to provide the requested information. 

I mailed Transunion a Method of Verification on XX/XX/2021 and the letter was received on XX/XX/2021. I mailed the letter using the USPS with a certified letter and Return Receipt. 

Nothing changed or updated. To this day, Transunion has not provided a " Method of Verification '' has required be law. I am writing to dispute these accounts XXXX XXXX XXXX with Account # XXXX. SECTION 611 AND 609 BUREAU DISPUTE VIOLATIONS, DELETIONS TO CREDIT REPORT. XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. However, Transunion still reporting the account on my credit report. 

Please provide me with strict proof section 609 ( a ) ( 1 ) ( Method of Verification 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2. What certified documents were reviewed to conclude your investigation? 3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 4. What did it cost your company to obtain the documents needed to complete your investigation? 5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 7. If yes to above : a ). Who did you speak to? b ). On what date? c ). How long was the conversation? d ) .What was their position? e. What telephone number did you call? f. What is the name of the employee of your company that spoke directly to the above party? g. What is the position of the employee of your company that spoke directly to the above party? h. How long has that employee been employed by your company? i. What formal training was provided to this employee to investigate items of this kind? j. Was there any e-mail or written communication between members of your company and the above party? 8. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9. Provide the date of the commencement of information 10. Provide the SPECIFIC date reporting that these items will cease Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. emotional distress. If you choose not to provide the above requested deletion or requested/required.documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures.

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