Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
Based on my last two complaints filed, XXXX & XXXX : it has been over 30 days and I have not recieved a response from TransUnion yet. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Furthermore, it was stated that the items on my credit report were verified. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction 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. 

How were the items on my credit report verified? And with whom? 

These are the questionable items I want removed : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX ( XXXX of XXXX accounts being reported ) DEPTEDXXXX  : XXXX ( XXXX of XXXX accounts being reported ) DEPTEDXXXX XXXX XXXX ( XXXX of XXXX accounts being reported ) DEPTEDXXXX  : XXXX ( XXXX of XXXX accounts being reported ) DEPTEDXXXX XXXX XXXX ( XXXX of XXXX accounts being reported ) US DEPT ED : XXXX ( XXXX of XXXX accounts being reported ) US DEPT ED : XXXX ( XXXX of XXXX accounts being reported ) XXXX : XXXXXXXX XXXX XXXX XXXX DPT EDXXXX : XXXX XXXX : XXXX XXXX : XXXX ( XXXX of XXXX accounts being reported ) XXXX : XXXX ( XXXX of XXXX accoutns being reported XXXX Lastly, I did not give written consent to TransUnion to furnish this information. According to 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account WITHOUT my written instructions. 

With these three laws, it is clear TransUnion is not looking out for me as the consumer and they are only doing what they want for their own benefit. 

I am the consumer, I find this unfair, unjust, and it is imparing me from being able to take the next step in my life which is buy a house due to the poor behavior they are inhibiting.

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