Consumer complaint received 2018-05-24
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: Investigation took more than 30 days

Complaint:
XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX In XX/XX/XXXX, I disputed the accuracy and completeness of creditor XXXX ( XXXX ( # XXXX ) and four other accounts to TransUnion Credit Bureau. Within 30 days, TransUnion stated they completed their investigation and determined that the creditor XXXX ( XXXX ( # XXXX ) and the four other accounts were accurate. Please see U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX, dated XXXX   and U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX green return card date stamped on XX/XX/XXXX On XX/XX/XXXX, I mailed a U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX  Letter, datedXX/XX/XXXX , to the TransUnion Credit Bureau, and requested the " Method of Verification & Copy of Documents Bearing My Signature of XXXX ( XXXX ( # XXXX ) within 15 days of U.S. Postal Service Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX green return card, which was also stamp dated on XX/XX/XXXX.

In addition, TransUnion also was specifically requested to : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted my credit report.

SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. It disputes the credit reporting agency 's right to REPORT the adverse account NOT whether or not the adverse account is valid. The Credit Reporting Agencies ( CRA ) are suppose to keep a copy of the original signed contract to prove the debt is mine ... If the Credit Reporting Agencies ( CRA ) does not maintain a original signed consumer contract for a debt assigned against XXXX XXXX XXXX, than the adverse account must be deleted ...

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

On XX/XX/XXXX, I received an updated TransUnion Credit Report # XXXX that was dated XX/XX/XXXX, by which the first sentence stated " Our investigation of the dispute you recently submitted is now complete ''. Upon review, I noticed that the Investigation Results Summary " VERIFIED AS ACCURATE AND UPDATED '' the four other credit items, only stated " INFORMATION UPDATED '' for the unverified XXXX  # XXXX account. According to the Fair Credit Reporting Act, Section 609 ( ( a ) ( 1 ) ( A ), at the point that TransUnion was unable to verify the XXXX # XXXX  account, they had a moral obligation to remove and " delete the XXXX  # XXXX account from my TransUnion Credit Report immediately.

OnXX/XX/XXXX ( now 39 days ), I mailed a second letter ( U.S. Postal Service Cerified Mail Receipt # XXXX XXXX XXXX XXXX XXXX  and U.S. Postal Service Cerified Mail Receipt # XXXX XXXX XXXX XXXX XXXX green return card that was date stamped XX/XX/XXXX now 46 days ) that was dated XX/XX/XXXX to TransUnion Credit Bureau, which stated : Please be advised this is my SECOND WRITTEN REQUEST. The unverified item listed below remain on my credit report in violation of Federal Law. You must delete this account immediately, as you have past your 30-day investigative timeframe. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing in your TransUnion File Number XXXX ( dated XX/XX/XXXX ) that " Our investigation of the dispute you recently submitted is now complete ''. You further stated in your Investigation Results Summary ( Results ) : ITEM : XXXX ; DESCRIPTION : # XXXX ; and RESULTS : INFORMATION UPDATED, which does mean, within your investigation, you did not honor my first request to " verify '' this account according to the Fair Reporting Act, Section 609 ( a ) ( 1 ) ( A ).

As of today 's date, XX/XX/XXXX, I never received any written correspondence as to the finding against XXXX ( XXXX ( # XXXX ). TransUnion has violated my rights under Fair Credit Reporting Act ( FCRA ) and State and Federal Laws.

Resolution Requested : Since TransUnion didn't " verify the XXXX  ( XXXX ( # XXXX ) within the 15-day time frame that is stated in the FCRA, I am requesting that this XXXX ( XXXX # XXXX be deleted immediately.

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