Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/XXXX is requested a proper investigation of some unfamiliar accounts according to fcra 15 USC 1681 15 U.S. Code 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance/ {$630.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX didnt provide the application or any other evidence as to how the card was obtain such as via internet or by phone! 

My question was how you could allow this to be verified when XXXX XXXX XXXX themselves can not provide the proper verification of the account themselves. 

I also informed you that I was a victim of Identity fraud and enclosed a letter from the college where the data breached occurred. According to the FCRA, you were to remove the disputed items until the proper investigation was complete where in which your company did not. 
So how could TransUnion verify this account XXXX XXXX XXXX # / XXXX Balance / XXXX Date opened/ XX/XX/XXXX I also requested an investigation from you TransUnion and XXXXXXXX XXXX  according to the FCRA and neither of my request were met. I was not provided with neither of the necessary key documents verifying the account was mine, such as contract or application which would be considered the original instruments of debts! According to the FCRA I have a right to these documents for they are essential to me conducting my own investigation as to this unfamiliar account. 

The 30 days allotted by the FCRA has been exceeded, TransUnion and XXXXXXXX XXXX  failed to perform the proper investigations and provide me with the necessary verifiable documentation of the following account. I demand that the following accounts be delete at once! 
If an improper investigative report wasnt preformed, then this Account must be deleted from my report. More than 30 days has passed since this request was made and yet your company have yet to comply with the request per the FCRA 15 US 1681. 

Self Lead never responded Response letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Validation and Dispute Letter/Tracking XXXX XXXX Identity theft report Copies of an official notice from the College I attended regarding a Personal Information Data Breach at our school

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