Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Complaint About Transunion Failed To Respond To My Verification Method Request To Whom It May Concern : I am concerned about the validity and accuracy of TransUnion recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how TransUnion conducted the investigation. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness. The information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

On XX/XX/2019, I wrote a letter to TransUnion answering and asking what kind of method they used to verify all the account and about a previous credit report saying that everything as accurate ; I asking for the method TransUnion used for the verification of the accounts already mentioned. 
Referring to the receipt of a certified mail, TransUnion received my letter on XX/XX/2019 at XXXX XXXX Today I receive another credit report dated XX/XX/2019. Answering my letter my Method Of Verification which state that the accounts where verified as accurate according to the information that TransUnion have on file. Very Respectfully, I am sure there was an error in the outcome of your decision ; even these accounts are being reported multiple times. 

How can it be that as possible in less than 24 hours TransUnion was able to investigate and verified all the accounts and say that everything is accurate without being. First of all TransUnion, has violated my rights and mocked the laws of FCRA. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error, In addition to the above notice and request to deletion erroneous and unverified information ; please also remove all non-account holding inquiries over 30 days old. I expect to receive a response within 15 days of I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. TransUnion fail to my request of method of verification I am therefore requesting and demanding that you remove these accounts from my file within 30 days in accordance with TransUnion obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records the requested records. The information you are reporting is harming my reputation, it is adversely affecting my credit worthiness, and I am being denied credit because of this inaccurate reporting. 


Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible ; I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please remove the accounts from my credit report to prevent further damage. 
TransUnion has violated the laws of the FCRA to not provide me with my request of the method they used to verify the accounts.

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