Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 at XXXX, I called Transunion regarding a dispute. This call lasted 21minutes. 

Upon calling, I spoke to a auto mative service that lead me to a customer service agent, named XXXX XXXX, XXXX did not disclose his employee ID as requested. During the phone call with XXXX, I gave him applicable information to look up my file, which he did. He asked me the reasoning of my phone call, in which I stated to dispute an alleged transaction off of my report. The name of the alleged transaction on my report is listed as a collection named " XXXX XXXX XXXX ''. I requested that this item be disputed due to the federal law stating that any and all alleged transactions should not be on a consumers report, pursuant to ( 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ) ). Transunion was never apart of this private alleged transaction, or any of the alleged transactions that are reporting on my report. In XXXX of the conversation with XXXX, he stated that they will mark it as being disputed by customer. I polietly stated that I am requesting it to be removed, he responded back and said ok, it has been disputed and we will be contacting the furnisher to ask if the account is mines. At this time, I know the dispute process when dealing with my credit report and the fact that they are asking the alleged creditor if this account is mine is a red flag. At this point I asked to speak to a supervisor, upon transferring me, I spoke to XXXX XXXX, who said he was a supervisor, and also declined to give me an employee ID #. During the call with XXXX, he asked for my name, email, and address. Then proceeded to ask for my social, in which I gave him the last 4 of. He then asked me for the reason of my call, and I stated to remove an alleged collection from my report. He stated that it was a dispute in process already on the alleged account that I wanted to dispute. I asked him what is the dispute process? He said they will contact the alleged creditor and they will have 30 days to respond to my dispute based on my reasoning mentioned to dispute the alleged account. He then stated during the 30days investigation process, they should receive a final response from the alleged creditor that will determine their reasoning for the dispute. I asked XXXX, what is the investigation process with your company directly, and he said repeatedly, they contact the creditor to verify my information and come back with a decision. 

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( e ), it states that the term " investigative consumer report '' means a consumer report or PORTION of the report has information based on the consumers character, general reputation, personal characteristics, or mode of living. This is obtained by interviewing neighbors, friends, or associates of the consumer, which in this case would be myself. It also states that the information on my report can not be obtained from a CREDITOR. 

It has been now brought to my attention that Transunion has been operating inaccurate, illegal, and impartial investigations to multiple disputes that I have made in the past.

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 non-monetary relief